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$12,598
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,990
−HK$398/mo
Today · 4.125%
HK$13,388
baseline
▲ 0.50% · 4.625%
HK$14,203
+HK$815/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,776/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,015
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,391
−HK$382/mo
Today · 4.125%
HK$14,773
baseline
▲ 0.50% · 4.625%
HK$15,551
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,546/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,118
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,588
−HK$478/mo
Today · 4.125%
HK$16,066
baseline
▲ 0.50% · 4.625%
HK$17,044
+HK$978/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,132/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,819
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,270
−HK$457/mo
Today · 4.125%
HK$17,727
baseline
▲ 0.50% · 4.625%
HK$18,662
+HK$935/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,454/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,638
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,186
−HK$558/mo
Today · 4.125%
HK$18,744
baseline
▲ 0.50% · 4.625%
HK$19,884
+HK$1,140/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,488/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,622
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,148
−HK$534/mo
Today · 4.125%
HK$20,682
baseline
▲ 0.50% · 4.625%
HK$21,772
+HK$1,090/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,364/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,677
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,382
−HK$717/mo
Today · 4.125%
HK$24,099
baseline
▲ 0.50% · 4.625%
HK$25,565
+HK$1,466/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,198/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,228
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,904
−HK$687/mo
Today · 4.125%
HK$26,591
baseline
▲ 0.50% · 4.625%
HK$27,992
+HK$1,401/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,182/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,311 · 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).