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$12,651
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,045
−HK$400/mo
Today · 4.125%
HK$13,445
baseline
▲ 0.50% · 4.625%
HK$14,263
+HK$818/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,890/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,074
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,452
−HK$383/mo
Today · 4.125%
HK$14,835
baseline
▲ 0.50% · 4.625%
HK$15,617
+HK$782/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,670/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,181
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,654
−HK$479/mo
Today · 4.125%
HK$16,133
baseline
▲ 0.50% · 4.625%
HK$17,115
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,266/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,889
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,342
−HK$460/mo
Today · 4.125%
HK$17,802
baseline
▲ 0.50% · 4.625%
HK$18,740
+HK$938/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,604/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,712
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,263
−HK$559/mo
Today · 4.125%
HK$18,822
baseline
▲ 0.50% · 4.625%
HK$19,968
+HK$1,146/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,644/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,704
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,233
−HK$536/mo
Today · 4.125%
HK$20,769
baseline
▲ 0.50% · 4.625%
HK$21,863
+HK$1,094/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,538/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,772
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,481
−HK$719/mo
Today · 4.125%
HK$24,200
baseline
▲ 0.50% · 4.625%
HK$25,673
+HK$1,473/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$48,400/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,334
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,013
−HK$690/mo
Today · 4.125%
HK$26,703
baseline
▲ 0.50% · 4.625%
HK$28,110
+HK$1,407/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$53,406/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,834 · 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).