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$12,602
−HK$791/mo
▼ 0.25% · 3.875%
HK$12,994
−HK$399/mo
Today · 4.125%
HK$13,393
baseline
▲ 0.50% · 4.625%
HK$14,208
+HK$815/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,786/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,020
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,396
−HK$382/mo
Today · 4.125%
HK$14,778
baseline
▲ 0.50% · 4.625%
HK$15,557
+HK$779/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,556/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,123
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,593
−HK$478/mo
Today · 4.125%
HK$16,071
baseline
▲ 0.50% · 4.625%
HK$17,049
+HK$978/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,142/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,824
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,275
−HK$458/mo
Today · 4.125%
HK$17,733
baseline
▲ 0.50% · 4.625%
HK$18,668
+HK$935/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,466/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,643
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,192
−HK$558/mo
Today · 4.125%
HK$18,750
baseline
▲ 0.50% · 4.625%
HK$19,891
+HK$1,141/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,500/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,628
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,155
−HK$534/mo
Today · 4.125%
HK$20,689
baseline
▲ 0.50% · 4.625%
HK$21,779
+HK$1,090/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,378/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,684
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,390
−HK$717/mo
Today · 4.125%
HK$24,107
baseline
▲ 0.50% · 4.625%
HK$25,574
+HK$1,467/mo
Deposit HK$553K · loan HK$4.97M · min. income ≈ HK$48,214/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,236
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,913
−HK$687/mo
Today · 4.125%
HK$26,600
baseline
▲ 0.50% · 4.625%
HK$28,002
+HK$1,402/mo
Deposit HK$553K · loan HK$4.97M · min. income ≈ HK$53,200/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,353 · 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).