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$12,655
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,049
−HK$400/mo
Today · 4.125%
HK$13,449
baseline
▲ 0.50% · 4.625%
HK$14,267
+HK$818/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,898/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,079
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,456
−HK$383/mo
Today · 4.125%
HK$14,839
baseline
▲ 0.50% · 4.625%
HK$15,621
+HK$782/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,678/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,186
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,658
−HK$480/mo
Today · 4.125%
HK$16,138
baseline
▲ 0.50% · 4.625%
HK$17,120
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,276/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,894
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,347
−HK$460/mo
Today · 4.125%
HK$17,807
baseline
▲ 0.50% · 4.625%
HK$18,746
+HK$939/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,614/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,717
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,268
−HK$560/mo
Today · 4.125%
HK$18,828
baseline
▲ 0.50% · 4.625%
HK$19,974
+HK$1,146/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,656/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,710
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,239
−HK$536/mo
Today · 4.125%
HK$20,775
baseline
▲ 0.50% · 4.625%
HK$21,870
+HK$1,095/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,550/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,779
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,488
−HK$720/mo
Today · 4.125%
HK$24,208
baseline
▲ 0.50% · 4.625%
HK$25,681
+HK$1,473/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$48,416/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,342
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,021
−HK$690/mo
Today · 4.125%
HK$26,711
baseline
▲ 0.50% · 4.625%
HK$28,119
+HK$1,408/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$53,422/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,872 · 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).