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$12,650
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,044
−HK$400/mo
Today · 4.125%
HK$13,444
baseline
▲ 0.50% · 4.625%
HK$14,262
+HK$818/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,888/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,073
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,451
−HK$383/mo
Today · 4.125%
HK$14,834
baseline
▲ 0.50% · 4.625%
HK$15,616
+HK$782/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,668/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,180
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,653
−HK$479/mo
Today · 4.125%
HK$16,132
baseline
▲ 0.50% · 4.625%
HK$17,114
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,264/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,888
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,341
−HK$459/mo
Today · 4.125%
HK$17,800
baseline
▲ 0.50% · 4.625%
HK$18,739
+HK$939/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,600/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,711
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,261
−HK$560/mo
Today · 4.125%
HK$18,821
baseline
▲ 0.50% · 4.625%
HK$19,966
+HK$1,145/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,642/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,703
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,231
−HK$536/mo
Today · 4.125%
HK$20,767
baseline
▲ 0.50% · 4.625%
HK$21,862
+HK$1,095/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,534/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,771
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,479
−HK$720/mo
Today · 4.125%
HK$24,199
baseline
▲ 0.50% · 4.625%
HK$25,671
+HK$1,472/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$48,398/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,332
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,012
−HK$689/mo
Today · 4.125%
HK$26,701
baseline
▲ 0.50% · 4.625%
HK$28,108
+HK$1,407/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$53,402/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,826 · 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).