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$12,650
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,043
−HK$400/mo
Today · 4.125%
HK$13,443
baseline
▲ 0.50% · 4.625%
HK$14,261
+HK$818/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,886/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,073
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,450
−HK$383/mo
Today · 4.125%
HK$14,833
baseline
▲ 0.50% · 4.625%
HK$15,615
+HK$782/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,666/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,180
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,652
−HK$480/mo
Today · 4.125%
HK$16,132
baseline
▲ 0.50% · 4.625%
HK$17,113
+HK$981/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,264/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,887
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,340
−HK$460/mo
Today · 4.125%
HK$17,800
baseline
▲ 0.50% · 4.625%
HK$18,738
+HK$938/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,600/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,710
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,261
−HK$559/mo
Today · 4.125%
HK$18,820
baseline
▲ 0.50% · 4.625%
HK$19,966
+HK$1,146/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,640/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,702
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,230
−HK$536/mo
Today · 4.125%
HK$20,766
baseline
▲ 0.50% · 4.625%
HK$21,861
+HK$1,095/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,532/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,770
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,478
−HK$720/mo
Today · 4.125%
HK$24,198
baseline
▲ 0.50% · 4.625%
HK$25,670
+HK$1,472/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$48,396/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,331
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,010
−HK$690/mo
Today · 4.125%
HK$26,700
baseline
▲ 0.50% · 4.625%
HK$28,107
+HK$1,407/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$53,400/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,821 · 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).