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$12,625
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,017
−HK$399/mo
Today · 4.125%
HK$13,416
baseline
▲ 0.50% · 4.625%
HK$14,233
+HK$817/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,832/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,045
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,421
−HK$383/mo
Today · 4.125%
HK$14,804
baseline
▲ 0.50% · 4.625%
HK$15,584
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,608/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,150
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,621
−HK$479/mo
Today · 4.125%
HK$16,100
baseline
▲ 0.50% · 4.625%
HK$17,079
+HK$979/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,200/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,854
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,306
−HK$458/mo
Today · 4.125%
HK$17,764
baseline
▲ 0.50% · 4.625%
HK$18,701
+HK$937/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,528/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,674
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,224
−HK$559/mo
Today · 4.125%
HK$18,783
baseline
▲ 0.50% · 4.625%
HK$19,926
+HK$1,143/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,566/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,663
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,190
−HK$535/mo
Today · 4.125%
HK$20,725
baseline
▲ 0.50% · 4.625%
HK$21,817
+HK$1,092/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,450/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,724
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,431
−HK$718/mo
Today · 4.125%
HK$24,149
baseline
▲ 0.50% · 4.625%
HK$25,619
+HK$1,470/mo
Deposit HK$554K · loan HK$4.98M · min. income ≈ HK$48,298/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,281
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,959
−HK$687/mo
Today · 4.125%
HK$26,646
baseline
▲ 0.50% · 4.625%
HK$28,051
+HK$1,405/mo
Deposit HK$554K · loan HK$4.98M · min. income ≈ HK$53,292/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,571 · 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).