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$12,583
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,975
−HK$397/mo
Today · 4.125%
HK$13,372
baseline
▲ 0.50% · 4.625%
HK$14,186
+HK$814/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,744/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,999
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,374
−HK$381/mo
Today · 4.125%
HK$14,755
baseline
▲ 0.50% · 4.625%
HK$15,533
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,510/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,100
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,569
−HK$478/mo
Today · 4.125%
HK$16,047
baseline
▲ 0.50% · 4.625%
HK$17,023
+HK$976/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,094/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,798
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,249
−HK$457/mo
Today · 4.125%
HK$17,706
baseline
▲ 0.50% · 4.625%
HK$18,639
+HK$933/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,412/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,616
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,164
−HK$557/mo
Today · 4.125%
HK$18,721
baseline
▲ 0.50% · 4.625%
HK$19,860
+HK$1,139/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$37,442/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,598
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,124
−HK$533/mo
Today · 4.125%
HK$20,657
baseline
▲ 0.50% · 4.625%
HK$21,746
+HK$1,089/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$41,314/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,650
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,354
−HK$716/mo
Today · 4.125%
HK$24,070
baseline
▲ 0.50% · 4.625%
HK$25,535
+HK$1,465/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,140/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,197
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,873
−HK$686/mo
Today · 4.125%
HK$26,559
baseline
▲ 0.50% · 4.625%
HK$27,959
+HK$1,400/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,118/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,162 · 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).