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$12,641
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,034
−HK$400/mo
Today · 4.125%
HK$13,434
baseline
▲ 0.50% · 4.625%
HK$14,251
+HK$817/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,868/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,063
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,440
−HK$383/mo
Today · 4.125%
HK$14,823
baseline
▲ 0.50% · 4.625%
HK$15,604
+HK$781/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,646/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,169
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,641
−HK$480/mo
Today · 4.125%
HK$16,121
baseline
▲ 0.50% · 4.625%
HK$17,102
+HK$981/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,242/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,876
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,328
−HK$460/mo
Today · 4.125%
HK$17,788
baseline
▲ 0.50% · 4.625%
HK$18,725
+HK$937/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,576/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,698
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,248
−HK$559/mo
Today · 4.125%
HK$18,807
baseline
▲ 0.50% · 4.625%
HK$19,952
+HK$1,145/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,614/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,688
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,216
−HK$536/mo
Today · 4.125%
HK$20,752
baseline
▲ 0.50% · 4.625%
HK$21,846
+HK$1,094/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,504/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,754
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,462
−HK$719/mo
Today · 4.125%
HK$24,181
baseline
▲ 0.50% · 4.625%
HK$25,652
+HK$1,471/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$48,362/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,314
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,993
−HK$688/mo
Today · 4.125%
HK$26,681
baseline
▲ 0.50% · 4.625%
HK$28,088
+HK$1,407/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$53,362/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,735 · 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).