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$12,645
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,039
−HK$399/mo
Today · 4.125%
HK$13,438
baseline
▲ 0.50% · 4.625%
HK$14,256
+HK$818/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,876/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,068
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,445
−HK$383/mo
Today · 4.125%
HK$14,828
baseline
▲ 0.50% · 4.625%
HK$15,610
+HK$782/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,656/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,174
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,646
−HK$480/mo
Today · 4.125%
HK$16,126
baseline
▲ 0.50% · 4.625%
HK$17,107
+HK$981/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,252/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,881
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,334
−HK$460/mo
Today · 4.125%
HK$17,794
baseline
▲ 0.50% · 4.625%
HK$18,731
+HK$937/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,588/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,704
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,254
−HK$560/mo
Today · 4.125%
HK$18,814
baseline
▲ 0.50% · 4.625%
HK$19,959
+HK$1,145/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,628/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,695
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,223
−HK$536/mo
Today · 4.125%
HK$20,759
baseline
▲ 0.50% · 4.625%
HK$21,853
+HK$1,094/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,518/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,762
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,470
−HK$719/mo
Today · 4.125%
HK$24,189
baseline
▲ 0.50% · 4.625%
HK$25,661
+HK$1,472/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$48,378/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,322
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,001
−HK$689/mo
Today · 4.125%
HK$26,690
baseline
▲ 0.50% · 4.625%
HK$28,097
+HK$1,407/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$53,380/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,777 · 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).