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$12,634
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,027
−HK$400/mo
Today · 4.125%
HK$13,427
baseline
▲ 0.50% · 4.625%
HK$14,243
+HK$816/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,854/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,055
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,432
−HK$383/mo
Today · 4.125%
HK$14,815
baseline
▲ 0.50% · 4.625%
HK$15,596
+HK$781/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,630/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,161
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,633
−HK$479/mo
Today · 4.125%
HK$16,112
baseline
▲ 0.50% · 4.625%
HK$17,092
+HK$980/mo
Deposit HK$2.22M · loan HK$3.32M · min. income ≈ HK$32,224/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,867
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,319
−HK$459/mo
Today · 4.125%
HK$17,778
baseline
▲ 0.50% · 4.625%
HK$18,715
+HK$937/mo
Deposit HK$2.22M · loan HK$3.32M · min. income ≈ HK$35,556/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,688
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,238
−HK$559/mo
Today · 4.125%
HK$18,797
baseline
▲ 0.50% · 4.625%
HK$19,941
+HK$1,144/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,594/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,678
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,205
−HK$536/mo
Today · 4.125%
HK$20,741
baseline
▲ 0.50% · 4.625%
HK$21,834
+HK$1,093/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,482/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,742
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,449
−HK$719/mo
Today · 4.125%
HK$24,168
baseline
▲ 0.50% · 4.625%
HK$25,638
+HK$1,470/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$48,336/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,300
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,978
−HK$689/mo
Today · 4.125%
HK$26,667
baseline
▲ 0.50% · 4.625%
HK$28,072
+HK$1,405/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$53,334/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,666 · 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).