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$12,608
−HK$790/mo
▼ 0.25% · 3.875%
HK$13,000
−HK$398/mo
Today · 4.125%
HK$13,398
baseline
▲ 0.50% · 4.625%
HK$14,214
+HK$816/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,796/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,026
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,402
−HK$382/mo
Today · 4.125%
HK$14,784
baseline
▲ 0.50% · 4.625%
HK$15,563
+HK$779/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,568/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,129
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,600
−HK$478/mo
Today · 4.125%
HK$16,078
baseline
▲ 0.50% · 4.625%
HK$17,056
+HK$978/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,156/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,831
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,283
−HK$458/mo
Today · 4.125%
HK$17,741
baseline
▲ 0.50% · 4.625%
HK$18,676
+HK$935/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,482/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,651
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,200
−HK$558/mo
Today · 4.125%
HK$18,758
baseline
▲ 0.50% · 4.625%
HK$19,899
+HK$1,141/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,516/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,637
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,163
−HK$534/mo
Today · 4.125%
HK$20,697
baseline
▲ 0.50% · 4.625%
HK$21,788
+HK$1,091/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,394/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,694
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,400
−HK$717/mo
Today · 4.125%
HK$24,117
baseline
▲ 0.50% · 4.625%
HK$25,585
+HK$1,468/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,234/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,247
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,924
−HK$687/mo
Today · 4.125%
HK$26,611
baseline
▲ 0.50% · 4.625%
HK$28,014
+HK$1,403/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,222/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,406 · 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).