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$12,434
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,821
−HK$393/mo
Today · 4.125%
HK$13,214
baseline
▲ 0.50% · 4.625%
HK$14,018
+HK$804/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,428/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,833
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,204
−HK$376/mo
Today · 4.125%
HK$14,580
baseline
▲ 0.50% · 4.625%
HK$15,349
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,160/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,921
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,385
−HK$472/mo
Today · 4.125%
HK$15,857
baseline
▲ 0.50% · 4.625%
HK$16,821
+HK$964/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,714/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,599
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,045
−HK$451/mo
Today · 4.125%
HK$17,496
baseline
▲ 0.50% · 4.625%
HK$18,418
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,992/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,408
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,949
−HK$550/mo
Today · 4.125%
HK$18,499
baseline
▲ 0.50% · 4.625%
HK$19,625
+HK$1,126/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$36,998/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,366
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,885
−HK$527/mo
Today · 4.125%
HK$20,412
baseline
▲ 0.50% · 4.625%
HK$21,488
+HK$1,076/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,824/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,381
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,078
−HK$707/mo
Today · 4.125%
HK$23,785
baseline
▲ 0.50% · 4.625%
HK$25,232
+HK$1,447/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$47,570/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,899
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,567
−HK$677/mo
Today · 4.125%
HK$26,244
baseline
▲ 0.50% · 4.625%
HK$27,628
+HK$1,384/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$52,488/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,691 · 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).