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$12,655
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,048
−HK$400/mo
Today · 4.125%
HK$13,448
baseline
▲ 0.50% · 4.625%
HK$14,267
+HK$819/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,896/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,078
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,456
−HK$383/mo
Today · 4.125%
HK$14,839
baseline
▲ 0.50% · 4.625%
HK$15,621
+HK$782/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,678/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,186
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,658
−HK$480/mo
Today · 4.125%
HK$16,138
baseline
▲ 0.50% · 4.625%
HK$17,120
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,276/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,894
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,347
−HK$460/mo
Today · 4.125%
HK$17,807
baseline
▲ 0.50% · 4.625%
HK$18,745
+HK$938/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,614/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,717
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,268
−HK$560/mo
Today · 4.125%
HK$18,828
baseline
▲ 0.50% · 4.625%
HK$19,973
+HK$1,145/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,656/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,710
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,238
−HK$536/mo
Today · 4.125%
HK$20,774
baseline
▲ 0.50% · 4.625%
HK$21,869
+HK$1,095/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,548/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,779
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,487
−HK$720/mo
Today · 4.125%
HK$24,207
baseline
▲ 0.50% · 4.625%
HK$25,680
+HK$1,473/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$48,414/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,341
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,021
−HK$689/mo
Today · 4.125%
HK$26,710
baseline
▲ 0.50% · 4.625%
HK$28,118
+HK$1,408/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$53,420/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,869 · 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).