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$12,584
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,976
−HK$397/mo
Today · 4.125%
HK$13,373
baseline
▲ 0.50% · 4.625%
HK$14,187
+HK$814/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,746/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,000
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,375
−HK$381/mo
Today · 4.125%
HK$14,756
baseline
▲ 0.50% · 4.625%
HK$15,534
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,512/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,101
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,571
−HK$477/mo
Today · 4.125%
HK$16,048
baseline
▲ 0.50% · 4.625%
HK$17,024
+HK$976/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,096/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,800
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,250
−HK$457/mo
Today · 4.125%
HK$17,707
baseline
▲ 0.50% · 4.625%
HK$18,641
+HK$934/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,414/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,618
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,166
−HK$557/mo
Today · 4.125%
HK$18,723
baseline
▲ 0.50% · 4.625%
HK$19,862
+HK$1,139/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$37,446/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,600
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,125
−HK$534/mo
Today · 4.125%
HK$20,659
baseline
▲ 0.50% · 4.625%
HK$21,747
+HK$1,088/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$41,318/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,651
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,356
−HK$716/mo
Today · 4.125%
HK$24,072
baseline
▲ 0.50% · 4.625%
HK$25,537
+HK$1,465/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,144/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,200
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,875
−HK$686/mo
Today · 4.125%
HK$26,561
baseline
▲ 0.50% · 4.625%
HK$27,961
+HK$1,400/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,122/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,172 · 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).