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$12,649
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,042
−HK$400/mo
Today · 4.125%
HK$13,442
baseline
▲ 0.50% · 4.625%
HK$14,260
+HK$818/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,884/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,072
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,449
−HK$383/mo
Today · 4.125%
HK$14,832
baseline
▲ 0.50% · 4.625%
HK$15,614
+HK$782/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,664/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,179
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,651
−HK$480/mo
Today · 4.125%
HK$16,131
baseline
▲ 0.50% · 4.625%
HK$17,112
+HK$981/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,262/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,886
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,339
−HK$460/mo
Today · 4.125%
HK$17,799
baseline
▲ 0.50% · 4.625%
HK$18,737
+HK$938/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,598/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,709
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,259
−HK$560/mo
Today · 4.125%
HK$18,819
baseline
▲ 0.50% · 4.625%
HK$19,964
+HK$1,145/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,638/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,701
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,229
−HK$536/mo
Today · 4.125%
HK$20,765
baseline
▲ 0.50% · 4.625%
HK$21,860
+HK$1,095/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,530/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,768
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,476
−HK$720/mo
Today · 4.125%
HK$24,196
baseline
▲ 0.50% · 4.625%
HK$25,668
+HK$1,472/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$48,392/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,329
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,009
−HK$689/mo
Today · 4.125%
HK$26,698
baseline
▲ 0.50% · 4.625%
HK$28,105
+HK$1,407/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$53,396/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,812 · 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).