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$12,647
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,040
−HK$400/mo
Today · 4.125%
HK$13,440
baseline
▲ 0.50% · 4.625%
HK$14,258
+HK$818/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,880/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,069
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,447
−HK$383/mo
Today · 4.125%
HK$14,830
baseline
▲ 0.50% · 4.625%
HK$15,611
+HK$781/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,660/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,176
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,648
−HK$480/mo
Today · 4.125%
HK$16,128
baseline
▲ 0.50% · 4.625%
HK$17,109
+HK$981/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,256/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,883
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,336
−HK$459/mo
Today · 4.125%
HK$17,795
baseline
▲ 0.50% · 4.625%
HK$18,734
+HK$939/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$124,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,706
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,256
−HK$560/mo
Today · 4.125%
HK$18,816
baseline
▲ 0.50% · 4.625%
HK$19,961
+HK$1,145/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,632/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,697
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,225
−HK$536/mo
Today · 4.125%
HK$20,761
baseline
▲ 0.50% · 4.625%
HK$21,856
+HK$1,095/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,522/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,764
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,472
−HK$720/mo
Today · 4.125%
HK$24,192
baseline
▲ 0.50% · 4.625%
HK$25,664
+HK$1,472/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$48,384/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,325
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,004
−HK$689/mo
Today · 4.125%
HK$26,693
baseline
▲ 0.50% · 4.625%
HK$28,100
+HK$1,407/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$53,386/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,791 · 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).