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$12,613
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,005
−HK$399/mo
Today · 4.125%
HK$13,404
baseline
▲ 0.50% · 4.625%
HK$14,220
+HK$816/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,808/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,032
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,408
−HK$382/mo
Today · 4.125%
HK$14,790
baseline
▲ 0.50% · 4.625%
HK$15,570
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,580/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,136
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,607
−HK$478/mo
Today · 4.125%
HK$16,085
baseline
▲ 0.50% · 4.625%
HK$17,064
+HK$979/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,170/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,838
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,290
−HK$458/mo
Today · 4.125%
HK$17,748
baseline
▲ 0.50% · 4.625%
HK$18,684
+HK$936/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,496/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,658
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,208
−HK$558/mo
Today · 4.125%
HK$18,766
baseline
▲ 0.50% · 4.625%
HK$19,908
+HK$1,142/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,532/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,645
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,172
−HK$534/mo
Today · 4.125%
HK$20,706
baseline
▲ 0.50% · 4.625%
HK$21,798
+HK$1,092/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,412/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,704
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,410
−HK$717/mo
Today · 4.125%
HK$24,127
baseline
▲ 0.50% · 4.625%
HK$25,595
+HK$1,468/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,254/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,258
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,935
−HK$687/mo
Today · 4.125%
HK$26,622
baseline
▲ 0.50% · 4.625%
HK$28,025
+HK$1,403/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,244/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,458 · 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).