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$12,582
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,974
−HK$397/mo
Today · 4.125%
HK$13,371
baseline
▲ 0.50% · 4.625%
HK$14,185
+HK$814/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,742/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,998
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,373
−HK$381/mo
Today · 4.125%
HK$14,754
baseline
▲ 0.50% · 4.625%
HK$15,532
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,508/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,099
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,568
−HK$478/mo
Today · 4.125%
HK$16,046
baseline
▲ 0.50% · 4.625%
HK$17,022
+HK$976/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,092/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,797
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,248
−HK$457/mo
Today · 4.125%
HK$17,705
baseline
▲ 0.50% · 4.625%
HK$18,638
+HK$933/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,410/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,615
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,163
−HK$557/mo
Today · 4.125%
HK$18,720
baseline
▲ 0.50% · 4.625%
HK$19,859
+HK$1,139/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$37,440/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,597
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,122
−HK$534/mo
Today · 4.125%
HK$20,656
baseline
▲ 0.50% · 4.625%
HK$21,744
+HK$1,088/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$41,312/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,648
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,353
−HK$715/mo
Today · 4.125%
HK$24,068
baseline
▲ 0.50% · 4.625%
HK$25,533
+HK$1,465/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,136/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,196
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,872
−HK$685/mo
Today · 4.125%
HK$26,557
baseline
▲ 0.50% · 4.625%
HK$27,957
+HK$1,400/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,114/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,154 · 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).