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$12,572
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,964
−HK$397/mo
Today · 4.125%
HK$13,361
baseline
▲ 0.50% · 4.625%
HK$14,174
+HK$813/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,722/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,987
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,362
−HK$380/mo
Today · 4.125%
HK$14,742
baseline
▲ 0.50% · 4.625%
HK$15,519
+HK$777/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,484/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,087
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,556
−HK$477/mo
Today · 4.125%
HK$16,033
baseline
▲ 0.50% · 4.625%
HK$17,009
+HK$976/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,066/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,784
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,234
−HK$457/mo
Today · 4.125%
HK$17,691
baseline
▲ 0.50% · 4.625%
HK$18,623
+HK$932/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,382/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,601
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,149
−HK$556/mo
Today · 4.125%
HK$18,705
baseline
▲ 0.50% · 4.625%
HK$19,843
+HK$1,138/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,410/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,581
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,107
−HK$532/mo
Today · 4.125%
HK$20,639
baseline
▲ 0.50% · 4.625%
HK$21,727
+HK$1,088/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,278/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,630
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,334
−HK$716/mo
Today · 4.125%
HK$24,050
baseline
▲ 0.50% · 4.625%
HK$25,513
+HK$1,463/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,100/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$124,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,176
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,851
−HK$685/mo
Today · 4.125%
HK$26,536
baseline
▲ 0.50% · 4.625%
HK$27,935
+HK$1,399/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,072/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$124,057 · 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).