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$12,579
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,970
−HK$398/mo
Today · 4.125%
HK$13,368
baseline
▲ 0.50% · 4.625%
HK$14,181
+HK$813/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,736/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,994
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,369
−HK$381/mo
Today · 4.125%
HK$14,750
baseline
▲ 0.50% · 4.625%
HK$15,528
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,500/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,095
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,564
−HK$477/mo
Today · 4.125%
HK$16,041
baseline
▲ 0.50% · 4.625%
HK$17,018
+HK$977/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,082/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,793
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,243
−HK$457/mo
Today · 4.125%
HK$17,700
baseline
▲ 0.50% · 4.625%
HK$18,633
+HK$933/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,400/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,611
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,158
−HK$557/mo
Today · 4.125%
HK$18,715
baseline
▲ 0.50% · 4.625%
HK$19,854
+HK$1,139/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,430/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,592
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,117
−HK$533/mo
Today · 4.125%
HK$20,650
baseline
▲ 0.50% · 4.625%
HK$21,739
+HK$1,089/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,300/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,642
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,347
−HK$715/mo
Today · 4.125%
HK$24,062
baseline
▲ 0.50% · 4.625%
HK$25,526
+HK$1,464/mo
Deposit HK$552K · loan HK$4.96M · min. income ≈ HK$48,124/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,189
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,865
−HK$685/mo
Today · 4.125%
HK$26,550
baseline
▲ 0.50% · 4.625%
HK$27,950
+HK$1,400/mo
Deposit HK$552K · loan HK$4.96M · min. income ≈ HK$53,100/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,122 · 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).