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$12,456
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,844
−HK$393/mo
Today · 4.125%
HK$13,237
baseline
▲ 0.50% · 4.625%
HK$14,043
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,474/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,857
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,229
−HK$377/mo
Today · 4.125%
HK$14,606
baseline
▲ 0.50% · 4.625%
HK$15,376
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,212/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,947
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,412
−HK$473/mo
Today · 4.125%
HK$15,885
baseline
▲ 0.50% · 4.625%
HK$16,851
+HK$966/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,770/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,629
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,075
−HK$452/mo
Today · 4.125%
HK$17,527
baseline
▲ 0.50% · 4.625%
HK$18,451
+HK$924/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,054/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,439
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,981
−HK$551/mo
Today · 4.125%
HK$18,532
baseline
▲ 0.50% · 4.625%
HK$19,660
+HK$1,128/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,064/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,400
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,921
−HK$527/mo
Today · 4.125%
HK$20,448
baseline
▲ 0.50% · 4.625%
HK$21,526
+HK$1,078/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,896/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,421
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,118
−HK$709/mo
Today · 4.125%
HK$23,827
baseline
▲ 0.50% · 4.625%
HK$25,277
+HK$1,450/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$47,654/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,943
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,612
−HK$679/mo
Today · 4.125%
HK$26,291
baseline
▲ 0.50% · 4.625%
HK$27,677
+HK$1,386/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$52,582/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,909 · 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).