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$12,610
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,003
−HK$398/mo
Today · 4.125%
HK$13,401
baseline
▲ 0.50% · 4.625%
HK$14,217
+HK$816/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,802/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,029
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,405
−HK$382/mo
Today · 4.125%
HK$14,787
baseline
▲ 0.50% · 4.625%
HK$15,566
+HK$779/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,574/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,133
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,603
−HK$478/mo
Today · 4.125%
HK$16,081
baseline
▲ 0.50% · 4.625%
HK$17,060
+HK$979/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,162/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,835
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,286
−HK$458/mo
Today · 4.125%
HK$17,744
baseline
▲ 0.50% · 4.625%
HK$18,680
+HK$936/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,488/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,655
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,204
−HK$558/mo
Today · 4.125%
HK$18,762
baseline
▲ 0.50% · 4.625%
HK$19,903
+HK$1,141/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,524/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,641
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,167
−HK$535/mo
Today · 4.125%
HK$20,702
baseline
▲ 0.50% · 4.625%
HK$21,793
+HK$1,091/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,404/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,699
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,405
−HK$717/mo
Today · 4.125%
HK$24,122
baseline
▲ 0.50% · 4.625%
HK$25,590
+HK$1,468/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,244/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,252
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,929
−HK$688/mo
Today · 4.125%
HK$26,617
baseline
▲ 0.50% · 4.625%
HK$28,020
+HK$1,403/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,234/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,432 · 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).