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$12,637
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,030
−HK$399/mo
Today · 4.125%
HK$13,429
baseline
▲ 0.50% · 4.625%
HK$14,246
+HK$817/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,858/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,058
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,435
−HK$383/mo
Today · 4.125%
HK$14,818
baseline
▲ 0.50% · 4.625%
HK$15,599
+HK$781/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,636/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,164
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,636
−HK$479/mo
Today · 4.125%
HK$16,115
baseline
▲ 0.50% · 4.625%
HK$17,096
+HK$981/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,230/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,870
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,322
−HK$459/mo
Today · 4.125%
HK$17,781
baseline
▲ 0.50% · 4.625%
HK$18,719
+HK$938/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,562/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,691
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,242
−HK$559/mo
Today · 4.125%
HK$18,801
baseline
▲ 0.50% · 4.625%
HK$19,945
+HK$1,144/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,602/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,682
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,209
−HK$536/mo
Today · 4.125%
HK$20,745
baseline
▲ 0.50% · 4.625%
HK$21,838
+HK$1,093/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,490/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,746
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,454
−HK$719/mo
Today · 4.125%
HK$24,173
baseline
▲ 0.50% · 4.625%
HK$25,643
+HK$1,470/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$48,346/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,305
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,984
−HK$688/mo
Today · 4.125%
HK$26,672
baseline
▲ 0.50% · 4.625%
HK$28,078
+HK$1,406/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$53,344/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,691 · 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).