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$12,646
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,040
−HK$399/mo
Today · 4.125%
HK$13,439
baseline
▲ 0.50% · 4.625%
HK$14,257
+HK$818/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,878/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,069
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,446
−HK$383/mo
Today · 4.125%
HK$14,829
baseline
▲ 0.50% · 4.625%
HK$15,611
+HK$782/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,658/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,175
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,648
−HK$479/mo
Today · 4.125%
HK$16,127
baseline
▲ 0.50% · 4.625%
HK$17,108
+HK$981/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,254/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,883
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,335
−HK$460/mo
Today · 4.125%
HK$17,795
baseline
▲ 0.50% · 4.625%
HK$18,733
+HK$938/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,590/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,705
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,255
−HK$560/mo
Today · 4.125%
HK$18,815
baseline
▲ 0.50% · 4.625%
HK$19,960
+HK$1,145/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,630/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,696
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,225
−HK$535/mo
Today · 4.125%
HK$20,760
baseline
▲ 0.50% · 4.625%
HK$21,855
+HK$1,095/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,520/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,763
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,471
−HK$720/mo
Today · 4.125%
HK$24,191
baseline
▲ 0.50% · 4.625%
HK$25,663
+HK$1,472/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$48,382/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,324
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,003
−HK$689/mo
Today · 4.125%
HK$26,692
baseline
▲ 0.50% · 4.625%
HK$28,099
+HK$1,407/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$53,384/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,785 · 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).