The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$12,482
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,870
−HK$394/mo
Today · 4.125%
HK$13,264
baseline
▲ 0.50% · 4.625%
HK$14,071
+HK$807/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,528/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,886
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,258
−HK$378/mo
Today · 4.125%
HK$14,636
baseline
▲ 0.50% · 4.625%
HK$15,407
+HK$771/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,272/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,978
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,444
−HK$473/mo
Today · 4.125%
HK$15,917
baseline
▲ 0.50% · 4.625%
HK$16,886
+HK$969/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,834/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,663
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,110
−HK$453/mo
Today · 4.125%
HK$17,563
baseline
▲ 0.50% · 4.625%
HK$18,489
+HK$926/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,126/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,474
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,018
−HK$552/mo
Today · 4.125%
HK$18,570
baseline
▲ 0.50% · 4.625%
HK$19,700
+HK$1,130/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,140/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,440
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,961
−HK$529/mo
Today · 4.125%
HK$20,490
baseline
▲ 0.50% · 4.625%
HK$21,570
+HK$1,080/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,980/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,467
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,166
−HK$710/mo
Today · 4.125%
HK$23,876
baseline
▲ 0.50% · 4.625%
HK$25,329
+HK$1,453/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$47,752/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,994
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,665
−HK$680/mo
Today · 4.125%
HK$26,345
baseline
▲ 0.50% · 4.625%
HK$27,733
+HK$1,388/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$52,690/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,160 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).