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$12,455
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,842
−HK$394/mo
Today · 4.125%
HK$13,236
baseline
▲ 0.50% · 4.625%
HK$14,041
+HK$805/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,472/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,856
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,228
−HK$377/mo
Today · 4.125%
HK$14,605
baseline
▲ 0.50% · 4.625%
HK$15,374
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,210/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,946
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,411
−HK$472/mo
Today · 4.125%
HK$15,883
baseline
▲ 0.50% · 4.625%
HK$16,850
+HK$967/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$31,766/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,627
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,073
−HK$452/mo
Today · 4.125%
HK$17,525
baseline
▲ 0.50% · 4.625%
HK$18,449
+HK$924/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$35,050/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,437
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,979
−HK$551/mo
Today · 4.125%
HK$18,530
baseline
▲ 0.50% · 4.625%
HK$19,658
+HK$1,128/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,060/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,398
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,919
−HK$527/mo
Today · 4.125%
HK$20,446
baseline
▲ 0.50% · 4.625%
HK$21,524
+HK$1,078/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,892/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,419
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,116
−HK$709/mo
Today · 4.125%
HK$23,825
baseline
▲ 0.50% · 4.625%
HK$25,274
+HK$1,449/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$47,650/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,941
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,610
−HK$678/mo
Today · 4.125%
HK$26,288
baseline
▲ 0.50% · 4.625%
HK$27,674
+HK$1,386/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$52,576/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,897 · 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).