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$12,649
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,042
−HK$400/mo
Today · 4.125%
HK$13,442
baseline
▲ 0.50% · 4.625%
HK$14,260
+HK$818/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,884/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,071
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,449
−HK$383/mo
Today · 4.125%
HK$14,832
baseline
▲ 0.50% · 4.625%
HK$15,613
+HK$781/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,664/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,178
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,650
−HK$480/mo
Today · 4.125%
HK$16,130
baseline
▲ 0.50% · 4.625%
HK$17,112
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,260/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,886
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,339
−HK$459/mo
Today · 4.125%
HK$17,798
baseline
▲ 0.50% · 4.625%
HK$18,736
+HK$938/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,596/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,708
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,259
−HK$559/mo
Today · 4.125%
HK$18,818
baseline
▲ 0.50% · 4.625%
HK$19,963
+HK$1,145/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,636/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,700
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,228
−HK$536/mo
Today · 4.125%
HK$20,764
baseline
▲ 0.50% · 4.625%
HK$21,859
+HK$1,095/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,528/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,767
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,476
−HK$719/mo
Today · 4.125%
HK$24,195
baseline
▲ 0.50% · 4.625%
HK$25,667
+HK$1,472/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$48,390/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,329
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,008
−HK$689/mo
Today · 4.125%
HK$26,697
baseline
▲ 0.50% · 4.625%
HK$28,104
+HK$1,407/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$53,394/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,808 · 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).