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$14,198
+HK$815/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$124,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,010
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,386
−HK$381/mo
Today · 4.125%
HK$14,767
baseline
▲ 0.50% · 4.625%
HK$15,545
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,534/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,112
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,582
−HK$478/mo
Today · 4.125%
HK$16,060
baseline
▲ 0.50% · 4.625%
HK$17,037
+HK$977/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,120/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,812
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,263
−HK$457/mo
Today · 4.125%
HK$17,720
baseline
▲ 0.50% · 4.625%
HK$18,655
+HK$935/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$124,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,631
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,179
−HK$557/mo
Today · 4.125%
HK$18,736
baseline
▲ 0.50% · 4.625%
HK$19,877
+HK$1,141/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$124,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,614
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,140
−HK$534/mo
Today · 4.125%
HK$20,674
baseline
▲ 0.50% · 4.625%
HK$21,764
+HK$1,090/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,348/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,668
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,373
−HK$717/mo
Today · 4.125%
HK$24,090
baseline
▲ 0.50% · 4.625%
HK$25,556
+HK$1,466/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,180/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,218
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,895
−HK$686/mo
Today · 4.125%
HK$26,581
baseline
▲ 0.50% · 4.625%
HK$27,982
+HK$1,401/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,162/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,264 · 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).