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$12,578
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,970
−HK$397/mo
Today · 4.125%
HK$13,367
baseline
▲ 0.50% · 4.625%
HK$14,180
+HK$813/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,734/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,993
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,369
−HK$380/mo
Today · 4.125%
HK$14,749
baseline
▲ 0.50% · 4.625%
HK$15,527
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,498/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,094
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,563
−HK$477/mo
Today · 4.125%
HK$16,040
baseline
▲ 0.50% · 4.625%
HK$17,017
+HK$977/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,080/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,792
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,242
−HK$457/mo
Today · 4.125%
HK$17,699
baseline
▲ 0.50% · 4.625%
HK$18,632
+HK$933/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,398/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,610
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,157
−HK$557/mo
Today · 4.125%
HK$18,714
baseline
▲ 0.50% · 4.625%
HK$19,853
+HK$1,139/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,428/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,591
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,116
−HK$533/mo
Today · 4.125%
HK$20,649
baseline
▲ 0.50% · 4.625%
HK$21,737
+HK$1,088/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,298/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,641
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,345
−HK$716/mo
Today · 4.125%
HK$24,061
baseline
▲ 0.50% · 4.625%
HK$25,525
+HK$1,464/mo
Deposit HK$552K · loan HK$4.96M · min. income ≈ HK$48,122/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,188
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,863
−HK$686/mo
Today · 4.125%
HK$26,549
baseline
▲ 0.50% · 4.625%
HK$27,948
+HK$1,399/mo
Deposit HK$552K · loan HK$4.96M · min. income ≈ HK$53,098/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,115 · 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).