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$12,623
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,016
−HK$399/mo
Today · 4.125%
HK$13,415
baseline
▲ 0.50% · 4.625%
HK$14,231
+HK$816/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,830/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,043
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,420
−HK$382/mo
Today · 4.125%
HK$14,802
baseline
▲ 0.50% · 4.625%
HK$15,582
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,604/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,148
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,619
−HK$479/mo
Today · 4.125%
HK$16,098
baseline
▲ 0.50% · 4.625%
HK$17,078
+HK$980/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,196/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,852
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,304
−HK$459/mo
Today · 4.125%
HK$17,763
baseline
▲ 0.50% · 4.625%
HK$18,699
+HK$936/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,526/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,673
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,223
−HK$558/mo
Today · 4.125%
HK$18,781
baseline
▲ 0.50% · 4.625%
HK$19,924
+HK$1,143/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,562/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,661
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,188
−HK$535/mo
Today · 4.125%
HK$20,723
baseline
▲ 0.50% · 4.625%
HK$21,815
+HK$1,092/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,446/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,722
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,429
−HK$718/mo
Today · 4.125%
HK$24,147
baseline
▲ 0.50% · 4.625%
HK$25,616
+HK$1,469/mo
Deposit HK$554K · loan HK$4.98M · min. income ≈ HK$48,294/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,278
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,956
−HK$688/mo
Today · 4.125%
HK$26,644
baseline
▲ 0.50% · 4.625%
HK$28,048
+HK$1,404/mo
Deposit HK$554K · loan HK$4.98M · min. income ≈ HK$53,288/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,560 · 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).