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$12,606
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,998
−HK$398/mo
Today · 4.125%
HK$13,396
baseline
▲ 0.50% · 4.625%
HK$14,211
+HK$815/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,792/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,024
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,400
−HK$381/mo
Today · 4.125%
HK$14,781
baseline
▲ 0.50% · 4.625%
HK$15,560
+HK$779/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,562/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,127
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,597
−HK$478/mo
Today · 4.125%
HK$16,075
baseline
▲ 0.50% · 4.625%
HK$17,054
+HK$979/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,150/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,828
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,280
−HK$458/mo
Today · 4.125%
HK$17,738
baseline
▲ 0.50% · 4.625%
HK$18,673
+HK$935/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,476/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,648
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,197
−HK$558/mo
Today · 4.125%
HK$18,755
baseline
▲ 0.50% · 4.625%
HK$19,896
+HK$1,141/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,510/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,633
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,160
−HK$534/mo
Today · 4.125%
HK$20,694
baseline
▲ 0.50% · 4.625%
HK$21,785
+HK$1,091/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,388/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,690
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,396
−HK$717/mo
Today · 4.125%
HK$24,113
baseline
▲ 0.50% · 4.625%
HK$25,580
+HK$1,467/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,226/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,243
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,920
−HK$686/mo
Today · 4.125%
HK$26,606
baseline
▲ 0.50% · 4.625%
HK$28,009
+HK$1,403/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,212/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,385 · 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).