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$12,567
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,958
−HK$397/mo
Today · 4.125%
HK$13,355
baseline
▲ 0.50% · 4.625%
HK$14,168
+HK$813/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,710/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,981
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,356
−HK$380/mo
Today · 4.125%
HK$14,736
baseline
▲ 0.50% · 4.625%
HK$15,513
+HK$777/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,472/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,081
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,550
−HK$476/mo
Today · 4.125%
HK$16,026
baseline
▲ 0.50% · 4.625%
HK$17,001
+HK$975/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$32,052/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,777
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,227
−HK$456/mo
Today · 4.125%
HK$17,683
baseline
▲ 0.50% · 4.625%
HK$18,616
+HK$933/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$35,366/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,594
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,141
−HK$556/mo
Today · 4.125%
HK$18,697
baseline
▲ 0.50% · 4.625%
HK$19,835
+HK$1,138/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,394/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,573
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,098
−HK$533/mo
Today · 4.125%
HK$20,631
baseline
▲ 0.50% · 4.625%
HK$21,718
+HK$1,087/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,262/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,621
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,325
−HK$714/mo
Today · 4.125%
HK$24,039
baseline
▲ 0.50% · 4.625%
HK$25,502
+HK$1,463/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,078/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$124,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,166
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,840
−HK$685/mo
Today · 4.125%
HK$26,525
baseline
▲ 0.50% · 4.625%
HK$27,923
+HK$1,398/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,050/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$124,005 · 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).