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$12,636
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,029
−HK$399/mo
Today · 4.125%
HK$13,428
baseline
▲ 0.50% · 4.625%
HK$14,245
+HK$817/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,856/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,057
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,434
−HK$382/mo
Today · 4.125%
HK$14,816
baseline
▲ 0.50% · 4.625%
HK$15,597
+HK$781/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,632/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,163
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,634
−HK$480/mo
Today · 4.125%
HK$16,114
baseline
▲ 0.50% · 4.625%
HK$17,094
+HK$980/mo
Deposit HK$2.22M · loan HK$3.32M · min. income ≈ HK$32,228/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,868
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,321
−HK$459/mo
Today · 4.125%
HK$17,780
baseline
▲ 0.50% · 4.625%
HK$18,717
+HK$937/mo
Deposit HK$2.22M · loan HK$3.32M · min. income ≈ HK$35,560/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,690
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,240
−HK$559/mo
Today · 4.125%
HK$18,799
baseline
▲ 0.50% · 4.625%
HK$19,943
+HK$1,144/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,598/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,680
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,208
−HK$535/mo
Today · 4.125%
HK$20,743
baseline
▲ 0.50% · 4.625%
HK$21,836
+HK$1,093/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,486/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,744
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,452
−HK$718/mo
Today · 4.125%
HK$24,170
baseline
▲ 0.50% · 4.625%
HK$25,641
+HK$1,471/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$48,340/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,303
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,981
−HK$689/mo
Today · 4.125%
HK$26,670
baseline
▲ 0.50% · 4.625%
HK$28,075
+HK$1,405/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$53,340/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,680 · 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).