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$12,425
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,811
−HK$393/mo
Today · 4.125%
HK$13,204
baseline
▲ 0.50% · 4.625%
HK$14,008
+HK$804/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,408/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,823
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,193
−HK$376/mo
Today · 4.125%
HK$14,569
baseline
▲ 0.50% · 4.625%
HK$15,337
+HK$768/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,138/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,910
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,374
−HK$471/mo
Today · 4.125%
HK$15,845
baseline
▲ 0.50% · 4.625%
HK$16,809
+HK$964/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,690/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,587
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,032
−HK$451/mo
Today · 4.125%
HK$17,483
baseline
▲ 0.50% · 4.625%
HK$18,405
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,966/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,395
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,936
−HK$550/mo
Today · 4.125%
HK$18,486
baseline
▲ 0.50% · 4.625%
HK$19,611
+HK$1,125/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,972/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,352
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,871
−HK$526/mo
Today · 4.125%
HK$20,397
baseline
▲ 0.50% · 4.625%
HK$21,472
+HK$1,075/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,794/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,365
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,061
−HK$706/mo
Today · 4.125%
HK$23,767
baseline
▲ 0.50% · 4.625%
HK$25,214
+HK$1,447/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$47,534/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,881
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,548
−HK$677/mo
Today · 4.125%
HK$26,225
baseline
▲ 0.50% · 4.625%
HK$27,607
+HK$1,382/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$52,450/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,602 · 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).