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$12,473
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,861
−HK$394/mo
Today · 4.125%
HK$13,255
baseline
▲ 0.50% · 4.625%
HK$14,061
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,510/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,876
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,248
−HK$377/mo
Today · 4.125%
HK$14,625
baseline
▲ 0.50% · 4.625%
HK$15,396
+HK$771/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,250/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,967
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,433
−HK$473/mo
Today · 4.125%
HK$15,906
baseline
▲ 0.50% · 4.625%
HK$16,873
+HK$967/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,812/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,651
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,097
−HK$453/mo
Today · 4.125%
HK$17,550
baseline
▲ 0.50% · 4.625%
HK$18,475
+HK$925/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,100/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,462
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,005
−HK$552/mo
Today · 4.125%
HK$18,557
baseline
▲ 0.50% · 4.625%
HK$19,686
+HK$1,129/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,114/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,426
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,947
−HK$528/mo
Today · 4.125%
HK$20,475
baseline
▲ 0.50% · 4.625%
HK$21,555
+HK$1,080/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,950/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,451
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,149
−HK$709/mo
Today · 4.125%
HK$23,858
baseline
▲ 0.50% · 4.625%
HK$25,310
+HK$1,452/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,716/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,976
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,646
−HK$679/mo
Today · 4.125%
HK$26,325
baseline
▲ 0.50% · 4.625%
HK$27,713
+HK$1,388/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,650/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,071 · 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).