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$12,460
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,847
−HK$394/mo
Today · 4.125%
HK$13,241
baseline
▲ 0.50% · 4.625%
HK$14,047
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,482/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,861
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,233
−HK$377/mo
Today · 4.125%
HK$14,610
baseline
▲ 0.50% · 4.625%
HK$15,380
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,220/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,951
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,417
−HK$472/mo
Today · 4.125%
HK$15,889
baseline
▲ 0.50% · 4.625%
HK$16,856
+HK$967/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,778/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,633
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,079
−HK$453/mo
Today · 4.125%
HK$17,532
baseline
▲ 0.50% · 4.625%
HK$18,456
+HK$924/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,064/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,443
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,986
−HK$551/mo
Today · 4.125%
HK$18,537
baseline
▲ 0.50% · 4.625%
HK$19,665
+HK$1,128/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,074/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,406
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,926
−HK$528/mo
Today · 4.125%
HK$20,454
baseline
▲ 0.50% · 4.625%
HK$21,532
+HK$1,078/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,908/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,427
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,125
−HK$709/mo
Today · 4.125%
HK$23,834
baseline
▲ 0.50% · 4.625%
HK$25,284
+HK$1,450/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$47,668/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,950
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,619
−HK$679/mo
Today · 4.125%
HK$26,298
baseline
▲ 0.50% · 4.625%
HK$27,684
+HK$1,386/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$52,596/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,943 · 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).