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$12,640
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,033
−HK$400/mo
Today · 4.125%
HK$13,433
baseline
▲ 0.50% · 4.625%
HK$14,250
+HK$817/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,866/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,062
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,439
−HK$383/mo
Today · 4.125%
HK$14,822
baseline
▲ 0.50% · 4.625%
HK$15,603
+HK$781/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,644/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,168
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,640
−HK$479/mo
Today · 4.125%
HK$16,119
baseline
▲ 0.50% · 4.625%
HK$17,100
+HK$981/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,238/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,874
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,327
−HK$459/mo
Today · 4.125%
HK$17,786
baseline
▲ 0.50% · 4.625%
HK$18,724
+HK$938/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,572/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,696
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,247
−HK$559/mo
Today · 4.125%
HK$18,806
baseline
▲ 0.50% · 4.625%
HK$19,950
+HK$1,144/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,612/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,687
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,215
−HK$535/mo
Today · 4.125%
HK$20,750
baseline
▲ 0.50% · 4.625%
HK$21,844
+HK$1,094/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,500/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,752
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,460
−HK$719/mo
Today · 4.125%
HK$24,179
baseline
▲ 0.50% · 4.625%
HK$25,650
+HK$1,471/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$48,358/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,312
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,990
−HK$689/mo
Today · 4.125%
HK$26,679
baseline
▲ 0.50% · 4.625%
HK$28,085
+HK$1,406/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$53,358/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,724 · 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).