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$12,642
−HK$793/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$124,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,064
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,442
−HK$382/mo
Today · 4.125%
HK$14,824
baseline
▲ 0.50% · 4.625%
HK$15,606
+HK$782/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,648/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,747 · 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$124,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,877
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,330
−HK$459/mo
Today · 4.125%
HK$17,789
baseline
▲ 0.50% · 4.625%
HK$18,727
+HK$938/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,578/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,699
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,250
−HK$559/mo
Today · 4.125%
HK$18,809
baseline
▲ 0.50% · 4.625%
HK$19,954
+HK$1,145/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,618/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,690
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,218
−HK$536/mo
Today · 4.125%
HK$20,754
baseline
▲ 0.50% · 4.625%
HK$21,848
+HK$1,094/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,508/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,756
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,464
−HK$719/mo
Today · 4.125%
HK$24,183
baseline
▲ 0.50% · 4.625%
HK$25,655
+HK$1,472/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$48,366/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,316
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,995
−HK$689/mo
Today · 4.125%
HK$26,684
baseline
▲ 0.50% · 4.625%
HK$28,090
+HK$1,406/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$124,747 · 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).