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$13,002
−HK$399/mo
Today · 4.125%
HK$13,401
baseline
▲ 0.50% · 4.625%
HK$14,216
+HK$815/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$124,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,028
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,405
−HK$381/mo
Today · 4.125%
HK$14,786
baseline
▲ 0.50% · 4.625%
HK$15,566
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,572/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,132
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,603
−HK$478/mo
Today · 4.125%
HK$16,081
baseline
▲ 0.50% · 4.625%
HK$17,059
+HK$978/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$124,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,834
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,286
−HK$458/mo
Today · 4.125%
HK$17,744
baseline
▲ 0.50% · 4.625%
HK$18,679
+HK$935/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$124,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,654
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,203
−HK$558/mo
Today · 4.125%
HK$18,761
baseline
▲ 0.50% · 4.625%
HK$19,902
+HK$1,141/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,522/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,640
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,166
−HK$535/mo
Today · 4.125%
HK$20,701
baseline
▲ 0.50% · 4.625%
HK$21,792
+HK$1,091/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,402/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,698
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,404
−HK$717/mo
Today · 4.125%
HK$24,121
baseline
▲ 0.50% · 4.625%
HK$25,589
+HK$1,468/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,242/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,251
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,928
−HK$687/mo
Today · 4.125%
HK$26,615
baseline
▲ 0.50% · 4.625%
HK$28,018
+HK$1,403/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,230/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,426 · 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).