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$12,593
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,985
−HK$398/mo
Today · 4.125%
HK$13,383
baseline
▲ 0.50% · 4.625%
HK$14,197
+HK$814/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,766/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,010
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,385
−HK$381/mo
Today · 4.125%
HK$14,766
baseline
▲ 0.50% · 4.625%
HK$15,545
+HK$779/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,532/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,112
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,582
−HK$477/mo
Today · 4.125%
HK$16,059
baseline
▲ 0.50% · 4.625%
HK$17,036
+HK$977/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,118/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,811
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,262
−HK$458/mo
Today · 4.125%
HK$17,720
baseline
▲ 0.50% · 4.625%
HK$18,654
+HK$934/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,440/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,630
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,179
−HK$557/mo
Today · 4.125%
HK$18,736
baseline
▲ 0.50% · 4.625%
HK$19,876
+HK$1,140/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,472/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,613
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,139
−HK$534/mo
Today · 4.125%
HK$20,673
baseline
▲ 0.50% · 4.625%
HK$21,763
+HK$1,090/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,346/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,667
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,372
−HK$717/mo
Today · 4.125%
HK$24,089
baseline
▲ 0.50% · 4.625%
HK$25,554
+HK$1,465/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,178/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,217
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,893
−HK$687/mo
Today · 4.125%
HK$26,580
baseline
▲ 0.50% · 4.625%
HK$27,981
+HK$1,401/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,160/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,259 · 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).