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$12,604
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,996
−HK$398/mo
Today · 4.125%
HK$13,394
baseline
▲ 0.50% · 4.625%
HK$14,209
+HK$815/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,788/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,022
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,398
−HK$381/mo
Today · 4.125%
HK$14,779
baseline
▲ 0.50% · 4.625%
HK$15,558
+HK$779/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,558/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,125
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,595
−HK$478/mo
Today · 4.125%
HK$16,073
baseline
▲ 0.50% · 4.625%
HK$17,051
+HK$978/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,146/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,826
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,277
−HK$458/mo
Today · 4.125%
HK$17,735
baseline
▲ 0.50% · 4.625%
HK$18,670
+HK$935/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,470/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,645
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,194
−HK$558/mo
Today · 4.125%
HK$18,752
baseline
▲ 0.50% · 4.625%
HK$19,893
+HK$1,141/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,504/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,630
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,157
−HK$534/mo
Today · 4.125%
HK$20,691
baseline
▲ 0.50% · 4.625%
HK$21,782
+HK$1,091/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,382/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,687
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,393
−HK$717/mo
Today · 4.125%
HK$24,110
baseline
▲ 0.50% · 4.625%
HK$25,577
+HK$1,467/mo
Deposit HK$553K · loan HK$4.97M · min. income ≈ HK$48,220/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,239
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,916
−HK$687/mo
Today · 4.125%
HK$26,603
baseline
▲ 0.50% · 4.625%
HK$28,005
+HK$1,402/mo
Deposit HK$553K · loan HK$4.97M · min. income ≈ HK$53,206/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,367 · 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).