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$12,618
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,011
−HK$398/mo
Today · 4.125%
HK$13,409
baseline
▲ 0.50% · 4.625%
HK$14,225
+HK$816/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,818/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,038
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,414
−HK$382/mo
Today · 4.125%
HK$14,796
baseline
▲ 0.50% · 4.625%
HK$15,576
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,592/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,142
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,613
−HK$478/mo
Today · 4.125%
HK$16,091
baseline
▲ 0.50% · 4.625%
HK$17,070
+HK$979/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,182/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,845
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,297
−HK$458/mo
Today · 4.125%
HK$17,755
baseline
▲ 0.50% · 4.625%
HK$18,691
+HK$936/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,510/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,665
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,215
−HK$558/mo
Today · 4.125%
HK$18,773
baseline
▲ 0.50% · 4.625%
HK$19,915
+HK$1,142/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,546/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,653
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,180
−HK$534/mo
Today · 4.125%
HK$20,714
baseline
▲ 0.50% · 4.625%
HK$21,806
+HK$1,092/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,428/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,713
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,419
−HK$718/mo
Today · 4.125%
HK$24,137
baseline
▲ 0.50% · 4.625%
HK$25,606
+HK$1,469/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,274/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,268
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,945
−HK$688/mo
Today · 4.125%
HK$26,633
baseline
▲ 0.50% · 4.625%
HK$28,037
+HK$1,404/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,266/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,508 · 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).