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$788/mo
▼ 0.25% · 3.875%
HK$12,960
−HK$397/mo
Today · 4.125%
HK$13,357
baseline
▲ 0.50% · 4.625%
HK$14,170
+HK$813/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,714/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,982
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,357
−HK$381/mo
Today · 4.125%
HK$14,738
baseline
▲ 0.50% · 4.625%
HK$15,515
+HK$777/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,476/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,082
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,551
−HK$477/mo
Today · 4.125%
HK$16,028
baseline
▲ 0.50% · 4.625%
HK$17,003
+HK$975/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$32,056/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,779
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,229
−HK$456/mo
Today · 4.125%
HK$17,685
baseline
▲ 0.50% · 4.625%
HK$18,618
+HK$933/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$35,370/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,596
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,143
−HK$557/mo
Today · 4.125%
HK$18,700
baseline
▲ 0.50% · 4.625%
HK$19,837
+HK$1,137/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,400/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,575
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,100
−HK$533/mo
Today · 4.125%
HK$20,633
baseline
▲ 0.50% · 4.625%
HK$21,721
+HK$1,088/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,266/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,624
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,327
−HK$715/mo
Today · 4.125%
HK$24,042
baseline
▲ 0.50% · 4.625%
HK$25,505
+HK$1,463/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,084/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$124,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,168
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,843
−HK$685/mo
Today · 4.125%
HK$26,528
baseline
▲ 0.50% · 4.625%
HK$27,927
+HK$1,399/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,056/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$124,019 · 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).