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$12,564
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,955
−HK$397/mo
Today · 4.125%
HK$13,352
baseline
▲ 0.50% · 4.625%
HK$14,165
+HK$813/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,704/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,978
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,353
−HK$380/mo
Today · 4.125%
HK$14,733
baseline
▲ 0.50% · 4.625%
HK$15,510
+HK$777/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,466/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,077
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,546
−HK$477/mo
Today · 4.125%
HK$16,023
baseline
▲ 0.50% · 4.625%
HK$16,998
+HK$975/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$32,046/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,773
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,223
−HK$457/mo
Today · 4.125%
HK$17,680
baseline
▲ 0.50% · 4.625%
HK$18,612
+HK$932/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$35,360/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,590
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,137
−HK$556/mo
Today · 4.125%
HK$18,693
baseline
▲ 0.50% · 4.625%
HK$19,831
+HK$1,138/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,386/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,569
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,094
−HK$532/mo
Today · 4.125%
HK$20,626
baseline
▲ 0.50% · 4.625%
HK$21,714
+HK$1,088/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,252/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,616
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,320
−HK$714/mo
Today · 4.125%
HK$24,034
baseline
▲ 0.50% · 4.625%
HK$25,497
+HK$1,463/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,068/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,160
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,835
−HK$684/mo
Today · 4.125%
HK$26,519
baseline
▲ 0.50% · 4.625%
HK$27,917
+HK$1,398/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,038/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,978 · 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).