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$12,973
−HK$398/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$124,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,997
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,373
−HK$381/mo
Today · 4.125%
HK$14,754
baseline
▲ 0.50% · 4.625%
HK$15,531
+HK$777/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$124,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,098
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,568
−HK$477/mo
Today · 4.125%
HK$16,045
baseline
▲ 0.50% · 4.625%
HK$17,022
+HK$977/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,090/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,797
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,247
−HK$457/mo
Today · 4.125%
HK$17,704
baseline
▲ 0.50% · 4.625%
HK$18,638
+HK$934/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,408/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,615
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,163
−HK$556/mo
Today · 4.125%
HK$18,719
baseline
▲ 0.50% · 4.625%
HK$19,858
+HK$1,139/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$37,438/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,596
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,122
−HK$533/mo
Today · 4.125%
HK$20,655
baseline
▲ 0.50% · 4.625%
HK$21,744
+HK$1,089/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$41,310/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,648
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,352
−HK$716/mo
Today · 4.125%
HK$24,068
baseline
▲ 0.50% · 4.625%
HK$25,532
+HK$1,464/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$124,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,195
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,871
−HK$685/mo
Today · 4.125%
HK$26,556
baseline
▲ 0.50% · 4.625%
HK$27,956
+HK$1,400/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,112/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,151 · 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).