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$12,583
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,975
−HK$398/mo
Today · 4.125%
HK$13,373
baseline
▲ 0.50% · 4.625%
HK$14,186
+HK$813/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,746/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,999
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,374
−HK$381/mo
Today · 4.125%
HK$14,755
baseline
▲ 0.50% · 4.625%
HK$15,533
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,510/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,100
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,570
−HK$477/mo
Today · 4.125%
HK$16,047
baseline
▲ 0.50% · 4.625%
HK$17,023
+HK$976/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,094/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,799
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,249
−HK$457/mo
Today · 4.125%
HK$17,706
baseline
▲ 0.50% · 4.625%
HK$18,640
+HK$934/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,412/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,617
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,165
−HK$557/mo
Today · 4.125%
HK$18,722
baseline
▲ 0.50% · 4.625%
HK$19,861
+HK$1,139/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$37,444/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,599
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,124
−HK$533/mo
Today · 4.125%
HK$20,657
baseline
▲ 0.50% · 4.625%
HK$21,746
+HK$1,089/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$41,314/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,650
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,355
−HK$716/mo
Today · 4.125%
HK$24,071
baseline
▲ 0.50% · 4.625%
HK$25,535
+HK$1,464/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,142/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,198
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,874
−HK$686/mo
Today · 4.125%
HK$26,560
baseline
▲ 0.50% · 4.625%
HK$27,960
+HK$1,400/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,120/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,165 · 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).