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$12,589
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,980
−HK$398/mo
Today · 4.125%
HK$13,378
baseline
▲ 0.50% · 4.625%
HK$14,192
+HK$814/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,756/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,005
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,380
−HK$381/mo
Today · 4.125%
HK$14,761
baseline
▲ 0.50% · 4.625%
HK$15,540
+HK$779/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,522/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,106
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,576
−HK$478/mo
Today · 4.125%
HK$16,054
baseline
▲ 0.50% · 4.625%
HK$17,031
+HK$977/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,108/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,806
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,256
−HK$458/mo
Today · 4.125%
HK$17,714
baseline
▲ 0.50% · 4.625%
HK$18,647
+HK$933/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,428/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,624
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,172
−HK$557/mo
Today · 4.125%
HK$18,729
baseline
▲ 0.50% · 4.625%
HK$19,869
+HK$1,140/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$37,458/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,607
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,133
−HK$533/mo
Today · 4.125%
HK$20,666
baseline
▲ 0.50% · 4.625%
HK$21,755
+HK$1,089/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$41,332/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,660
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,364
−HK$717/mo
Today · 4.125%
HK$24,081
baseline
▲ 0.50% · 4.625%
HK$25,546
+HK$1,465/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,162/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,209
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,885
−HK$686/mo
Today · 4.125%
HK$26,571
baseline
▲ 0.50% · 4.625%
HK$27,971
+HK$1,400/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,142/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,217 · 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).