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$12,611
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,004
−HK$398/mo
Today · 4.125%
HK$13,402
baseline
▲ 0.50% · 4.625%
HK$14,218
+HK$816/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,804/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,030
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,406
−HK$382/mo
Today · 4.125%
HK$14,788
baseline
▲ 0.50% · 4.625%
HK$15,568
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,576/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,134
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,604
−HK$479/mo
Today · 4.125%
HK$16,083
baseline
▲ 0.50% · 4.625%
HK$17,061
+HK$978/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,166/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,836
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,288
−HK$458/mo
Today · 4.125%
HK$17,746
baseline
▲ 0.50% · 4.625%
HK$18,681
+HK$935/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,492/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,656
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,205
−HK$558/mo
Today · 4.125%
HK$18,763
baseline
▲ 0.50% · 4.625%
HK$19,905
+HK$1,142/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,526/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,642
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,169
−HK$534/mo
Today · 4.125%
HK$20,703
baseline
▲ 0.50% · 4.625%
HK$21,795
+HK$1,092/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,406/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,701
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,407
−HK$717/mo
Today · 4.125%
HK$24,124
baseline
▲ 0.50% · 4.625%
HK$25,592
+HK$1,468/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,248/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,254
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,931
−HK$688/mo
Today · 4.125%
HK$26,619
baseline
▲ 0.50% · 4.625%
HK$28,022
+HK$1,403/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,238/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,442 · 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).