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$12,568
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,959
−HK$397/mo
Today · 4.125%
HK$13,356
baseline
▲ 0.50% · 4.625%
HK$14,168
+HK$812/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,712/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,981
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,356
−HK$381/mo
Today · 4.125%
HK$14,737
baseline
▲ 0.50% · 4.625%
HK$15,514
+HK$777/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,474/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,081
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,550
−HK$477/mo
Today · 4.125%
HK$16,027
baseline
▲ 0.50% · 4.625%
HK$17,002
+HK$975/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$32,054/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,778
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,228
−HK$456/mo
Today · 4.125%
HK$17,684
baseline
▲ 0.50% · 4.625%
HK$18,616
+HK$932/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$35,368/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,595
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,142
−HK$556/mo
Today · 4.125%
HK$18,698
baseline
▲ 0.50% · 4.625%
HK$19,836
+HK$1,138/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,396/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,574
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,099
−HK$533/mo
Today · 4.125%
HK$20,632
baseline
▲ 0.50% · 4.625%
HK$21,719
+HK$1,087/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,264/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,622
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,326
−HK$714/mo
Today · 4.125%
HK$24,040
baseline
▲ 0.50% · 4.625%
HK$25,503
+HK$1,463/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,080/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$124,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,167
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,842
−HK$684/mo
Today · 4.125%
HK$26,526
baseline
▲ 0.50% · 4.625%
HK$27,924
+HK$1,398/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,052/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$124,010 · 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).