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$12,588
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,979
−HK$398/mo
Today · 4.125%
HK$13,377
baseline
▲ 0.50% · 4.625%
HK$14,191
+HK$814/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,754/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,004
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,379
−HK$381/mo
Today · 4.125%
HK$14,760
baseline
▲ 0.50% · 4.625%
HK$15,538
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,520/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,105
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,575
−HK$477/mo
Today · 4.125%
HK$16,052
baseline
▲ 0.50% · 4.625%
HK$17,029
+HK$977/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,104/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,804
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,255
−HK$457/mo
Today · 4.125%
HK$17,712
baseline
▲ 0.50% · 4.625%
HK$18,646
+HK$934/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,424/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,623
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,171
−HK$557/mo
Today · 4.125%
HK$18,728
baseline
▲ 0.50% · 4.625%
HK$19,867
+HK$1,139/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$37,456/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,605
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,131
−HK$533/mo
Today · 4.125%
HK$20,664
baseline
▲ 0.50% · 4.625%
HK$21,754
+HK$1,090/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$41,328/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,658
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,363
−HK$716/mo
Today · 4.125%
HK$24,079
baseline
▲ 0.50% · 4.625%
HK$25,544
+HK$1,465/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,158/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,207
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,883
−HK$686/mo
Today · 4.125%
HK$26,569
baseline
▲ 0.50% · 4.625%
HK$27,969
+HK$1,400/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,138/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,207 · 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).