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$12,577
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,968
−HK$397/mo
Today · 4.125%
HK$13,365
baseline
▲ 0.50% · 4.625%
HK$14,179
+HK$814/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,730/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,991
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,367
−HK$380/mo
Today · 4.125%
HK$14,747
baseline
▲ 0.50% · 4.625%
HK$15,525
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,494/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,092
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,561
−HK$477/mo
Today · 4.125%
HK$16,038
baseline
▲ 0.50% · 4.625%
HK$17,014
+HK$976/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,076/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,790
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,240
−HK$457/mo
Today · 4.125%
HK$17,697
baseline
▲ 0.50% · 4.625%
HK$18,630
+HK$933/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,394/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,607
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,155
−HK$557/mo
Today · 4.125%
HK$18,712
baseline
▲ 0.50% · 4.625%
HK$19,850
+HK$1,138/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,424/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,588
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,113
−HK$533/mo
Today · 4.125%
HK$20,646
baseline
▲ 0.50% · 4.625%
HK$21,735
+HK$1,089/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,292/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,638
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,342
−HK$716/mo
Today · 4.125%
HK$24,058
baseline
▲ 0.50% · 4.625%
HK$25,522
+HK$1,464/mo
Deposit HK$552K · loan HK$4.96M · min. income ≈ HK$48,116/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,185
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,860
−HK$685/mo
Today · 4.125%
HK$26,545
baseline
▲ 0.50% · 4.625%
HK$27,944
+HK$1,399/mo
Deposit HK$552K · loan HK$4.96M · min. income ≈ HK$53,090/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,099 · 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).