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$12,474
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,862
−HK$395/mo
Today · 4.125%
HK$13,257
baseline
▲ 0.50% · 4.625%
HK$14,063
+HK$806/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,514/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,878
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,250
−HK$377/mo
Today · 4.125%
HK$14,627
baseline
▲ 0.50% · 4.625%
HK$15,399
+HK$772/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,254/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,969
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,435
−HK$473/mo
Today · 4.125%
HK$15,908
baseline
▲ 0.50% · 4.625%
HK$16,876
+HK$968/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,816/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,653
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,100
−HK$453/mo
Today · 4.125%
HK$17,553
baseline
▲ 0.50% · 4.625%
HK$18,478
+HK$925/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,106/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,464
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,007
−HK$552/mo
Today · 4.125%
HK$18,559
baseline
▲ 0.50% · 4.625%
HK$19,689
+HK$1,130/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,118/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,429
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,950
−HK$528/mo
Today · 4.125%
HK$20,478
baseline
▲ 0.50% · 4.625%
HK$21,558
+HK$1,080/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,956/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,454
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,152
−HK$710/mo
Today · 4.125%
HK$23,862
baseline
▲ 0.50% · 4.625%
HK$25,314
+HK$1,452/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,724/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,980
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,650
−HK$679/mo
Today · 4.125%
HK$26,329
baseline
▲ 0.50% · 4.625%
HK$27,717
+HK$1,388/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,658/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,090 · 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).