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$12,615
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,007
−HK$399/mo
Today · 4.125%
HK$13,406
baseline
▲ 0.50% · 4.625%
HK$14,222
+HK$816/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,812/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,034
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,410
−HK$382/mo
Today · 4.125%
HK$14,792
baseline
▲ 0.50% · 4.625%
HK$15,572
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,584/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,138
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,609
−HK$478/mo
Today · 4.125%
HK$16,087
baseline
▲ 0.50% · 4.625%
HK$17,066
+HK$979/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,174/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,841
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,292
−HK$459/mo
Today · 4.125%
HK$17,751
baseline
▲ 0.50% · 4.625%
HK$18,686
+HK$935/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,502/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,661
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,210
−HK$558/mo
Today · 4.125%
HK$18,768
baseline
▲ 0.50% · 4.625%
HK$19,910
+HK$1,142/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,536/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,647
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,174
−HK$535/mo
Today · 4.125%
HK$20,709
baseline
▲ 0.50% · 4.625%
HK$21,801
+HK$1,092/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,418/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,707
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,413
−HK$718/mo
Today · 4.125%
HK$24,131
baseline
▲ 0.50% · 4.625%
HK$25,599
+HK$1,468/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,262/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,261
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,939
−HK$687/mo
Today · 4.125%
HK$26,626
baseline
▲ 0.50% · 4.625%
HK$28,029
+HK$1,403/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,252/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,475 · 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).