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$12,643
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,036
−HK$399/mo
Today · 4.125%
HK$13,435
baseline
▲ 0.50% · 4.625%
HK$14,253
+HK$818/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,870/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,065
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,442
−HK$383/mo
Today · 4.125%
HK$14,825
baseline
▲ 0.50% · 4.625%
HK$15,606
+HK$781/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,650/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,171
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,643
−HK$479/mo
Today · 4.125%
HK$16,122
baseline
▲ 0.50% · 4.625%
HK$17,103
+HK$981/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,244/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,878
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,330
−HK$460/mo
Today · 4.125%
HK$17,790
baseline
▲ 0.50% · 4.625%
HK$18,727
+HK$937/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,580/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,700
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,250
−HK$560/mo
Today · 4.125%
HK$18,810
baseline
▲ 0.50% · 4.625%
HK$19,954
+HK$1,144/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,620/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,691
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,219
−HK$536/mo
Today · 4.125%
HK$20,755
baseline
▲ 0.50% · 4.625%
HK$21,848
+HK$1,093/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,510/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,757
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,465
−HK$719/mo
Today · 4.125%
HK$24,184
baseline
▲ 0.50% · 4.625%
HK$25,655
+HK$1,471/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$48,368/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,317
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,996
−HK$688/mo
Today · 4.125%
HK$26,684
baseline
▲ 0.50% · 4.625%
HK$28,091
+HK$1,407/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$53,368/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,749 · 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).