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$12,633
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,026
−HK$400/mo
Today · 4.125%
HK$13,426
baseline
▲ 0.50% · 4.625%
HK$14,242
+HK$816/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,852/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,054
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,431
−HK$383/mo
Today · 4.125%
HK$14,814
baseline
▲ 0.50% · 4.625%
HK$15,595
+HK$781/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,628/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,160
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,632
−HK$479/mo
Today · 4.125%
HK$16,111
baseline
▲ 0.50% · 4.625%
HK$17,091
+HK$980/mo
Deposit HK$2.22M · loan HK$3.32M · min. income ≈ HK$32,222/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,865
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,318
−HK$458/mo
Today · 4.125%
HK$17,776
baseline
▲ 0.50% · 4.625%
HK$18,714
+HK$938/mo
Deposit HK$2.22M · loan HK$3.32M · min. income ≈ HK$35,552/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,687
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,237
−HK$559/mo
Today · 4.125%
HK$18,796
baseline
▲ 0.50% · 4.625%
HK$19,939
+HK$1,143/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,592/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,676
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,204
−HK$535/mo
Today · 4.125%
HK$20,739
baseline
▲ 0.50% · 4.625%
HK$21,832
+HK$1,093/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,478/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,740
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,447
−HK$719/mo
Today · 4.125%
HK$24,166
baseline
▲ 0.50% · 4.625%
HK$25,636
+HK$1,470/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$48,332/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,298
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,976
−HK$689/mo
Today · 4.125%
HK$26,665
baseline
▲ 0.50% · 4.625%
HK$28,070
+HK$1,405/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$53,330/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,657 · 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).