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$12,594
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,986
−HK$398/mo
Today · 4.125%
HK$13,384
baseline
▲ 0.50% · 4.625%
HK$14,198
+HK$814/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,768/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,011
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,387
−HK$381/mo
Today · 4.125%
HK$14,768
baseline
▲ 0.50% · 4.625%
HK$15,546
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,536/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,113
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,583
−HK$478/mo
Today · 4.125%
HK$16,061
baseline
▲ 0.50% · 4.625%
HK$17,038
+HK$977/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,122/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,813
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,264
−HK$457/mo
Today · 4.125%
HK$17,721
baseline
▲ 0.50% · 4.625%
HK$18,656
+HK$935/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,442/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,632
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,180
−HK$558/mo
Today · 4.125%
HK$18,738
baseline
▲ 0.50% · 4.625%
HK$19,878
+HK$1,140/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,476/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,615
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,141
−HK$534/mo
Today · 4.125%
HK$20,675
baseline
▲ 0.50% · 4.625%
HK$21,765
+HK$1,090/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,350/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,670
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,375
−HK$716/mo
Today · 4.125%
HK$24,091
baseline
▲ 0.50% · 4.625%
HK$25,557
+HK$1,466/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,182/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,220
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,896
−HK$686/mo
Today · 4.125%
HK$26,582
baseline
▲ 0.50% · 4.625%
HK$27,983
+HK$1,401/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,164/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,272 · 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).