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$12,459
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,846
−HK$394/mo
Today · 4.125%
HK$13,240
baseline
▲ 0.50% · 4.625%
HK$14,046
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,480/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,860
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,232
−HK$377/mo
Today · 4.125%
HK$14,609
baseline
▲ 0.50% · 4.625%
HK$15,379
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,218/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,951
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,416
−HK$472/mo
Today · 4.125%
HK$15,888
baseline
▲ 0.50% · 4.625%
HK$16,855
+HK$967/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,776/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,633
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,079
−HK$452/mo
Today · 4.125%
HK$17,531
baseline
▲ 0.50% · 4.625%
HK$18,455
+HK$924/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,062/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,443
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,985
−HK$551/mo
Today · 4.125%
HK$18,536
baseline
▲ 0.50% · 4.625%
HK$19,664
+HK$1,128/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,072/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,405
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,925
−HK$528/mo
Today · 4.125%
HK$20,453
baseline
▲ 0.50% · 4.625%
HK$21,531
+HK$1,078/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,906/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,426
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,124
−HK$708/mo
Today · 4.125%
HK$23,832
baseline
▲ 0.50% · 4.625%
HK$25,283
+HK$1,451/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$47,664/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,949
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,618
−HK$679/mo
Today · 4.125%
HK$26,297
baseline
▲ 0.50% · 4.625%
HK$27,683
+HK$1,386/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$52,594/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,937 · 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).