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$12,638
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,031
−HK$399/mo
Today · 4.125%
HK$13,430
baseline
▲ 0.50% · 4.625%
HK$14,247
+HK$817/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,860/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,059
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,436
−HK$383/mo
Today · 4.125%
HK$14,819
baseline
▲ 0.50% · 4.625%
HK$15,600
+HK$781/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,638/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,165
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,637
−HK$479/mo
Today · 4.125%
HK$16,116
baseline
▲ 0.50% · 4.625%
HK$17,097
+HK$981/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,232/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,871
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,324
−HK$459/mo
Today · 4.125%
HK$17,783
baseline
▲ 0.50% · 4.625%
HK$18,720
+HK$937/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,566/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,693
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,243
−HK$559/mo
Today · 4.125%
HK$18,802
baseline
▲ 0.50% · 4.625%
HK$19,946
+HK$1,144/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,604/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,683
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,211
−HK$536/mo
Today · 4.125%
HK$20,747
baseline
▲ 0.50% · 4.625%
HK$21,840
+HK$1,093/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,494/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,748
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,456
−HK$718/mo
Today · 4.125%
HK$24,174
baseline
▲ 0.50% · 4.625%
HK$25,645
+HK$1,471/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$48,348/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,307
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,986
−HK$688/mo
Today · 4.125%
HK$26,674
baseline
▲ 0.50% · 4.625%
HK$28,080
+HK$1,406/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$53,348/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,701 · 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).