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$12,617
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,010
−HK$398/mo
Today · 4.125%
HK$13,408
baseline
▲ 0.50% · 4.625%
HK$14,224
+HK$816/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,816/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,036
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,413
−HK$382/mo
Today · 4.125%
HK$14,795
baseline
▲ 0.50% · 4.625%
HK$15,575
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,590/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,140
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,611
−HK$479/mo
Today · 4.125%
HK$16,090
baseline
▲ 0.50% · 4.625%
HK$17,069
+HK$979/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,180/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,844
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,295
−HK$459/mo
Today · 4.125%
HK$17,754
baseline
▲ 0.50% · 4.625%
HK$18,689
+HK$935/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,508/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,664
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,213
−HK$559/mo
Today · 4.125%
HK$18,772
baseline
▲ 0.50% · 4.625%
HK$19,914
+HK$1,142/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,544/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,651
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,178
−HK$535/mo
Today · 4.125%
HK$20,713
baseline
▲ 0.50% · 4.625%
HK$21,804
+HK$1,091/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,426/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,711
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,417
−HK$718/mo
Today · 4.125%
HK$24,135
baseline
▲ 0.50% · 4.625%
HK$25,603
+HK$1,468/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,270/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,265
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,943
−HK$687/mo
Today · 4.125%
HK$26,630
baseline
▲ 0.50% · 4.625%
HK$28,034
+HK$1,404/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,260/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,497 · 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).