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$12,643
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,036
−HK$400/mo
Today · 4.125%
HK$13,436
baseline
▲ 0.50% · 4.625%
HK$14,253
+HK$817/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,872/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,065
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,442
−HK$383/mo
Today · 4.125%
HK$14,825
baseline
▲ 0.50% · 4.625%
HK$15,607
+HK$782/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,650/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,172
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,644
−HK$479/mo
Today · 4.125%
HK$16,123
baseline
▲ 0.50% · 4.625%
HK$17,104
+HK$981/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,246/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,878
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,331
−HK$459/mo
Today · 4.125%
HK$17,790
baseline
▲ 0.50% · 4.625%
HK$18,728
+HK$938/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,580/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,700
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,251
−HK$559/mo
Today · 4.125%
HK$18,810
baseline
▲ 0.50% · 4.625%
HK$19,955
+HK$1,145/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,620/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,691
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,219
−HK$536/mo
Today · 4.125%
HK$20,755
baseline
▲ 0.50% · 4.625%
HK$21,849
+HK$1,094/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,510/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,757
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,465
−HK$720/mo
Today · 4.125%
HK$24,185
baseline
▲ 0.50% · 4.625%
HK$25,656
+HK$1,471/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$48,370/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,317
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,996
−HK$689/mo
Today · 4.125%
HK$26,685
baseline
▲ 0.50% · 4.625%
HK$28,092
+HK$1,407/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$53,370/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,753 · 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).