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$12,592
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,983
−HK$398/mo
Today · 4.125%
HK$13,381
baseline
▲ 0.50% · 4.625%
HK$14,195
+HK$814/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,762/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,008
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,384
−HK$381/mo
Today · 4.125%
HK$14,765
baseline
▲ 0.50% · 4.625%
HK$15,543
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,530/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,110
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,580
−HK$477/mo
Today · 4.125%
HK$16,057
baseline
▲ 0.50% · 4.625%
HK$17,034
+HK$977/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,114/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,810
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,260
−HK$458/mo
Today · 4.125%
HK$17,718
baseline
▲ 0.50% · 4.625%
HK$18,652
+HK$934/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,436/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,628
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,177
−HK$557/mo
Today · 4.125%
HK$18,734
baseline
▲ 0.50% · 4.625%
HK$19,874
+HK$1,140/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,468/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,611
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,137
−HK$534/mo
Today · 4.125%
HK$20,671
baseline
▲ 0.50% · 4.625%
HK$21,760
+HK$1,089/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,342/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,665
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,370
−HK$716/mo
Today · 4.125%
HK$24,086
baseline
▲ 0.50% · 4.625%
HK$25,552
+HK$1,466/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,172/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,214
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,891
−HK$686/mo
Today · 4.125%
HK$26,577
baseline
▲ 0.50% · 4.625%
HK$27,978
+HK$1,401/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,154/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,245 · 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).