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$12,610
−HK$790/mo
▼ 0.25% · 3.875%
HK$13,002
−HK$398/mo
Today · 4.125%
HK$13,400
baseline
▲ 0.50% · 4.625%
HK$14,216
+HK$816/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,800/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,028
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,404
−HK$382/mo
Today · 4.125%
HK$14,786
baseline
▲ 0.50% · 4.625%
HK$15,565
+HK$779/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,572/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,132
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,602
−HK$478/mo
Today · 4.125%
HK$16,080
baseline
▲ 0.50% · 4.625%
HK$17,059
+HK$979/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,160/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,834
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,285
−HK$458/mo
Today · 4.125%
HK$17,743
baseline
▲ 0.50% · 4.625%
HK$18,678
+HK$935/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,486/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,653
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,203
−HK$558/mo
Today · 4.125%
HK$18,761
baseline
▲ 0.50% · 4.625%
HK$19,902
+HK$1,141/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,522/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,639
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,166
−HK$534/mo
Today · 4.125%
HK$20,700
baseline
▲ 0.50% · 4.625%
HK$21,792
+HK$1,092/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,400/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,697
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,403
−HK$718/mo
Today · 4.125%
HK$24,121
baseline
▲ 0.50% · 4.625%
HK$25,588
+HK$1,467/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,242/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,251
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,928
−HK$687/mo
Today · 4.125%
HK$26,615
baseline
▲ 0.50% · 4.625%
HK$28,018
+HK$1,403/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,230/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,424 · 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).