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$12,565
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,956
−HK$397/mo
Today · 4.125%
HK$13,353
baseline
▲ 0.50% · 4.625%
HK$14,166
+HK$813/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,706/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,979
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,353
−HK$381/mo
Today · 4.125%
HK$14,734
baseline
▲ 0.50% · 4.625%
HK$15,510
+HK$776/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,468/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,078
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,547
−HK$477/mo
Today · 4.125%
HK$16,024
baseline
▲ 0.50% · 4.625%
HK$16,999
+HK$975/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$32,048/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,774
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,224
−HK$457/mo
Today · 4.125%
HK$17,681
baseline
▲ 0.50% · 4.625%
HK$18,612
+HK$931/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$35,362/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,591
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,138
−HK$556/mo
Today · 4.125%
HK$18,694
baseline
▲ 0.50% · 4.625%
HK$19,832
+HK$1,138/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,388/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,570
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,095
−HK$532/mo
Today · 4.125%
HK$20,627
baseline
▲ 0.50% · 4.625%
HK$21,715
+HK$1,088/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,254/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,617
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,321
−HK$714/mo
Today · 4.125%
HK$24,035
baseline
▲ 0.50% · 4.625%
HK$25,498
+HK$1,463/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,070/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,161
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,836
−HK$685/mo
Today · 4.125%
HK$26,521
baseline
▲ 0.50% · 4.625%
HK$27,919
+HK$1,398/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,042/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,984 · 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).