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$12,588
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,980
−HK$398/mo
Today · 4.125%
HK$13,378
baseline
▲ 0.50% · 4.625%
HK$14,192
+HK$814/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,756/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,004
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,380
−HK$381/mo
Today · 4.125%
HK$14,761
baseline
▲ 0.50% · 4.625%
HK$15,539
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,522/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,106
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,576
−HK$477/mo
Today · 4.125%
HK$16,053
baseline
▲ 0.50% · 4.625%
HK$17,030
+HK$977/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,106/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,805
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,256
−HK$457/mo
Today · 4.125%
HK$17,713
baseline
▲ 0.50% · 4.625%
HK$18,647
+HK$934/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,426/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,623
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,172
−HK$557/mo
Today · 4.125%
HK$18,729
baseline
▲ 0.50% · 4.625%
HK$19,868
+HK$1,139/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$37,458/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,606
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,132
−HK$533/mo
Today · 4.125%
HK$20,665
baseline
▲ 0.50% · 4.625%
HK$21,754
+HK$1,089/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$41,330/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,659
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,364
−HK$716/mo
Today · 4.125%
HK$24,080
baseline
▲ 0.50% · 4.625%
HK$25,545
+HK$1,465/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,160/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,208
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,884
−HK$686/mo
Today · 4.125%
HK$26,570
baseline
▲ 0.50% · 4.625%
HK$27,970
+HK$1,400/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,140/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,212 · 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).