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$12,644
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,038
−HK$399/mo
Today · 4.125%
HK$13,437
baseline
▲ 0.50% · 4.625%
HK$14,255
+HK$818/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,874/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,067
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,444
−HK$383/mo
Today · 4.125%
HK$14,827
baseline
▲ 0.50% · 4.625%
HK$15,608
+HK$781/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,654/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,173
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,645
−HK$480/mo
Today · 4.125%
HK$16,125
baseline
▲ 0.50% · 4.625%
HK$17,106
+HK$981/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,250/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,880
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,333
−HK$459/mo
Today · 4.125%
HK$17,792
baseline
▲ 0.50% · 4.625%
HK$18,730
+HK$938/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,584/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,702
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,253
−HK$559/mo
Today · 4.125%
HK$18,812
baseline
▲ 0.50% · 4.625%
HK$19,957
+HK$1,145/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,624/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,694
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,222
−HK$535/mo
Today · 4.125%
HK$20,757
baseline
▲ 0.50% · 4.625%
HK$21,852
+HK$1,095/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,514/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,760
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,468
−HK$719/mo
Today · 4.125%
HK$24,187
baseline
▲ 0.50% · 4.625%
HK$25,659
+HK$1,472/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$48,374/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,320
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,999
−HK$689/mo
Today · 4.125%
HK$26,688
baseline
▲ 0.50% · 4.625%
HK$28,095
+HK$1,407/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$53,376/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,767 · 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).