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$12,622
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,014
−HK$399/mo
Today · 4.125%
HK$13,413
baseline
▲ 0.50% · 4.625%
HK$14,229
+HK$816/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,826/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,042
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,418
−HK$382/mo
Today · 4.125%
HK$14,800
baseline
▲ 0.50% · 4.625%
HK$15,580
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,600/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,146
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,617
−HK$479/mo
Today · 4.125%
HK$16,096
baseline
▲ 0.50% · 4.625%
HK$17,075
+HK$979/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,192/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,850
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,302
−HK$458/mo
Today · 4.125%
HK$17,760
baseline
▲ 0.50% · 4.625%
HK$18,696
+HK$936/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,520/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,671
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,220
−HK$559/mo
Today · 4.125%
HK$18,779
baseline
▲ 0.50% · 4.625%
HK$19,921
+HK$1,142/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,558/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,658
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,186
−HK$534/mo
Today · 4.125%
HK$20,720
baseline
▲ 0.50% · 4.625%
HK$21,813
+HK$1,093/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,440/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,719
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,426
−HK$718/mo
Today · 4.125%
HK$24,144
baseline
▲ 0.50% · 4.625%
HK$25,613
+HK$1,469/mo
Deposit HK$554K · loan HK$4.98M · min. income ≈ HK$48,288/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,275
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,953
−HK$687/mo
Today · 4.125%
HK$26,640
baseline
▲ 0.50% · 4.625%
HK$28,045
+HK$1,405/mo
Deposit HK$554K · loan HK$4.98M · min. income ≈ HK$53,280/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,544 · 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).