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$12,607
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,999
−HK$398/mo
Today · 4.125%
HK$13,397
baseline
▲ 0.50% · 4.625%
HK$14,212
+HK$815/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,794/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,025
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,401
−HK$382/mo
Today · 4.125%
HK$14,783
baseline
▲ 0.50% · 4.625%
HK$15,562
+HK$779/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,566/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,128
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,599
−HK$478/mo
Today · 4.125%
HK$16,077
baseline
▲ 0.50% · 4.625%
HK$17,055
+HK$978/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,154/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,830
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,281
−HK$458/mo
Today · 4.125%
HK$17,739
baseline
▲ 0.50% · 4.625%
HK$18,674
+HK$935/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,478/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,649
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,198
−HK$558/mo
Today · 4.125%
HK$18,756
baseline
▲ 0.50% · 4.625%
HK$19,897
+HK$1,141/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,512/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,635
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,161
−HK$535/mo
Today · 4.125%
HK$20,696
baseline
▲ 0.50% · 4.625%
HK$21,787
+HK$1,091/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,392/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,692
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,398
−HK$717/mo
Today · 4.125%
HK$24,115
baseline
▲ 0.50% · 4.625%
HK$25,582
+HK$1,467/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,230/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,245
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,922
−HK$687/mo
Today · 4.125%
HK$26,609
baseline
▲ 0.50% · 4.625%
HK$28,011
+HK$1,402/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,218/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,395 · 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).