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$12,584
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,976
−HK$398/mo
Today · 4.125%
HK$13,374
baseline
▲ 0.50% · 4.625%
HK$14,187
+HK$813/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,748/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,000
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,376
−HK$380/mo
Today · 4.125%
HK$14,756
baseline
▲ 0.50% · 4.625%
HK$15,534
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,512/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,101
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,571
−HK$477/mo
Today · 4.125%
HK$16,048
baseline
▲ 0.50% · 4.625%
HK$17,025
+HK$977/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,096/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,800
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,251
−HK$457/mo
Today · 4.125%
HK$17,708
baseline
▲ 0.50% · 4.625%
HK$18,641
+HK$933/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,416/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,618
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,166
−HK$557/mo
Today · 4.125%
HK$18,723
baseline
▲ 0.50% · 4.625%
HK$19,862
+HK$1,139/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$37,446/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,600
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,126
−HK$533/mo
Today · 4.125%
HK$20,659
baseline
▲ 0.50% · 4.625%
HK$21,748
+HK$1,089/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$41,318/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,652
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,357
−HK$715/mo
Today · 4.125%
HK$24,072
baseline
▲ 0.50% · 4.625%
HK$25,537
+HK$1,465/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,144/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,200
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,876
−HK$686/mo
Today · 4.125%
HK$26,562
baseline
▲ 0.50% · 4.625%
HK$27,962
+HK$1,400/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,124/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,175 · 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).