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$12,620
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,013
−HK$399/mo
Today · 4.125%
HK$13,412
baseline
▲ 0.50% · 4.625%
HK$14,228
+HK$816/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,824/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,040
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,416
−HK$382/mo
Today · 4.125%
HK$14,798
baseline
▲ 0.50% · 4.625%
HK$15,578
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,596/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,144
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,615
−HK$479/mo
Today · 4.125%
HK$16,094
baseline
▲ 0.50% · 4.625%
HK$17,073
+HK$979/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,188/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,848
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,300
−HK$458/mo
Today · 4.125%
HK$17,758
baseline
▲ 0.50% · 4.625%
HK$18,694
+HK$936/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,516/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,668
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,218
−HK$558/mo
Today · 4.125%
HK$18,776
baseline
▲ 0.50% · 4.625%
HK$19,919
+HK$1,143/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,552/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,656
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,183
−HK$535/mo
Today · 4.125%
HK$20,718
baseline
▲ 0.50% · 4.625%
HK$21,810
+HK$1,092/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,436/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,716
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,423
−HK$718/mo
Today · 4.125%
HK$24,141
baseline
▲ 0.50% · 4.625%
HK$25,610
+HK$1,469/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,282/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,272
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,950
−HK$687/mo
Today · 4.125%
HK$26,637
baseline
▲ 0.50% · 4.625%
HK$28,041
+HK$1,404/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,274/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,529 · 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).