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$124,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,005
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,381
−HK$381/mo
Today · 4.125%
HK$14,762
baseline
▲ 0.50% · 4.625%
HK$15,540
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,524/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,107
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,577
−HK$477/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$124,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,806
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,257
−HK$457/mo
Today · 4.125%
HK$17,714
baseline
▲ 0.50% · 4.625%
HK$18,648
+HK$934/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$124,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,624
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,173
−HK$557/mo
Today · 4.125%
HK$18,730
baseline
▲ 0.50% · 4.625%
HK$19,869
+HK$1,139/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$37,460/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,219 · 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$21,756
+HK$1,090/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$124,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,660
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,365
−HK$716/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$124,219 · 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$27,972
+HK$1,401/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$124,219 · 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).