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$12,569
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,960
−HK$398/mo
Today · 4.125%
HK$13,358
baseline
▲ 0.50% · 4.625%
HK$14,170
+HK$812/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,716/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,983
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,358
−HK$381/mo
Today · 4.125%
HK$14,739
baseline
▲ 0.50% · 4.625%
HK$15,516
+HK$777/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,478/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,083
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,552
−HK$477/mo
Today · 4.125%
HK$16,029
baseline
▲ 0.50% · 4.625%
HK$17,004
+HK$975/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$32,058/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,780
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,230
−HK$457/mo
Today · 4.125%
HK$17,687
baseline
▲ 0.50% · 4.625%
HK$18,619
+HK$932/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$35,374/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,597
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,145
−HK$556/mo
Today · 4.125%
HK$18,701
baseline
▲ 0.50% · 4.625%
HK$19,839
+HK$1,138/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,402/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,577
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,102
−HK$532/mo
Today · 4.125%
HK$20,634
baseline
▲ 0.50% · 4.625%
HK$21,722
+HK$1,088/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,268/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,625
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,329
−HK$715/mo
Today · 4.125%
HK$24,044
baseline
▲ 0.50% · 4.625%
HK$25,507
+HK$1,463/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,088/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$124,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,170
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,845
−HK$685/mo
Today · 4.125%
HK$26,530
baseline
▲ 0.50% · 4.625%
HK$27,928
+HK$1,398/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,060/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$124,027 · 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).