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$12,422
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,809
−HK$392/mo
Today · 4.125%
HK$13,201
baseline
▲ 0.50% · 4.625%
HK$14,004
+HK$803/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,402/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,819
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,190
−HK$376/mo
Today · 4.125%
HK$14,566
baseline
▲ 0.50% · 4.625%
HK$15,334
+HK$768/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,132/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,907
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,370
−HK$471/mo
Today · 4.125%
HK$15,841
baseline
▲ 0.50% · 4.625%
HK$16,805
+HK$964/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,682/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,583
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,028
−HK$451/mo
Today · 4.125%
HK$17,479
baseline
▲ 0.50% · 4.625%
HK$18,401
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,958/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,391
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,932
−HK$550/mo
Today · 4.125%
HK$18,482
baseline
▲ 0.50% · 4.625%
HK$19,606
+HK$1,124/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,964/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,347
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,866
−HK$527/mo
Today · 4.125%
HK$20,393
baseline
▲ 0.50% · 4.625%
HK$21,467
+HK$1,074/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,786/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,360
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,055
−HK$707/mo
Today · 4.125%
HK$23,762
baseline
▲ 0.50% · 4.625%
HK$25,208
+HK$1,446/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$47,524/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,875
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,542
−HK$677/mo
Today · 4.125%
HK$26,219
baseline
▲ 0.50% · 4.625%
HK$27,601
+HK$1,382/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$52,438/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,574 · 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).