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$12,974
−HK$398/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$124,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,998
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,374
−HK$381/mo
Today · 4.125%
HK$14,755
baseline
▲ 0.50% · 4.625%
HK$15,532
+HK$777/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$124,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,099
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,569
−HK$477/mo
Today · 4.125%
HK$16,046
baseline
▲ 0.50% · 4.625%
HK$17,023
+HK$977/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,092/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,798
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,248
−HK$457/mo
Today · 4.125%
HK$17,705
baseline
▲ 0.50% · 4.625%
HK$18,639
+HK$934/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,410/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,159 · 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$124,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,598
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,123
−HK$533/mo
Today · 4.125%
HK$20,656
baseline
▲ 0.50% · 4.625%
HK$21,745
+HK$1,089/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$41,312/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,649
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,354
−HK$715/mo
Today · 4.125%
HK$24,069
baseline
▲ 0.50% · 4.625%
HK$25,534
+HK$1,465/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,138/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,197
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,873
−HK$685/mo
Today · 4.125%
HK$26,558
baseline
▲ 0.50% · 4.625%
HK$27,958
+HK$1,400/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,116/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,159 · 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).