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$12,513
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,902
−HK$395/mo
Today · 4.125%
HK$13,297
baseline
▲ 0.50% · 4.625%
HK$14,106
+HK$809/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,594/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,920
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,293
−HK$379/mo
Today · 4.125%
HK$14,672
baseline
▲ 0.50% · 4.625%
HK$15,446
+HK$774/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,344/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,015
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,482
−HK$475/mo
Today · 4.125%
HK$15,957
baseline
▲ 0.50% · 4.625%
HK$16,928
+HK$971/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,914/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,704
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,152
−HK$455/mo
Today · 4.125%
HK$17,607
baseline
▲ 0.50% · 4.625%
HK$18,535
+HK$928/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,214/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,518
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,062
−HK$554/mo
Today · 4.125%
HK$18,616
baseline
▲ 0.50% · 4.625%
HK$19,749
+HK$1,133/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,232/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,488
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,011
−HK$530/mo
Today · 4.125%
HK$20,541
baseline
▲ 0.50% · 4.625%
HK$21,624
+HK$1,083/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,082/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,523
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,223
−HK$712/mo
Today · 4.125%
HK$23,935
baseline
▲ 0.50% · 4.625%
HK$25,391
+HK$1,456/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,870/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,056
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,728
−HK$682/mo
Today · 4.125%
HK$26,410
baseline
▲ 0.50% · 4.625%
HK$27,802
+HK$1,392/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,820/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,466 · 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).