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$12,605
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,997
−HK$398/mo
Today · 4.125%
HK$13,395
baseline
▲ 0.50% · 4.625%
HK$14,210
+HK$815/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,790/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,023
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,399
−HK$381/mo
Today · 4.125%
HK$14,780
baseline
▲ 0.50% · 4.625%
HK$15,559
+HK$779/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,560/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,126
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,596
−HK$478/mo
Today · 4.125%
HK$16,074
baseline
▲ 0.50% · 4.625%
HK$17,052
+HK$978/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,148/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,827
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,278
−HK$458/mo
Today · 4.125%
HK$17,736
baseline
▲ 0.50% · 4.625%
HK$18,671
+HK$935/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,472/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,647
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,196
−HK$557/mo
Today · 4.125%
HK$18,753
baseline
▲ 0.50% · 4.625%
HK$19,894
+HK$1,141/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,506/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,632
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,158
−HK$534/mo
Today · 4.125%
HK$20,692
baseline
▲ 0.50% · 4.625%
HK$21,783
+HK$1,091/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,384/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,689
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,394
−HK$717/mo
Today · 4.125%
HK$24,111
baseline
▲ 0.50% · 4.625%
HK$25,578
+HK$1,467/mo
Deposit HK$553K · loan HK$4.97M · min. income ≈ HK$48,222/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,241
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,918
−HK$686/mo
Today · 4.125%
HK$26,604
baseline
▲ 0.50% · 4.625%
HK$28,007
+HK$1,403/mo
Deposit HK$553K · loan HK$4.97M · min. income ≈ HK$53,208/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,376 · 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).