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$12,570
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,961
−HK$397/mo
Today · 4.125%
HK$13,358
baseline
▲ 0.50% · 4.625%
HK$14,171
+HK$813/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,716/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,984
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,359
−HK$381/mo
Today · 4.125%
HK$14,740
baseline
▲ 0.50% · 4.625%
HK$15,517
+HK$777/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,480/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,084
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,553
−HK$477/mo
Today · 4.125%
HK$16,030
baseline
▲ 0.50% · 4.625%
HK$17,006
+HK$976/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,060/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,781
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,231
−HK$457/mo
Today · 4.125%
HK$17,688
baseline
▲ 0.50% · 4.625%
HK$18,620
+HK$932/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,376/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,598
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,146
−HK$556/mo
Today · 4.125%
HK$18,702
baseline
▲ 0.50% · 4.625%
HK$19,840
+HK$1,138/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,404/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,578
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,103
−HK$533/mo
Today · 4.125%
HK$20,636
baseline
▲ 0.50% · 4.625%
HK$21,723
+HK$1,087/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,272/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,626
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,330
−HK$715/mo
Today · 4.125%
HK$24,045
baseline
▲ 0.50% · 4.625%
HK$25,508
+HK$1,463/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,090/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$124,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,172
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,847
−HK$685/mo
Today · 4.125%
HK$26,532
baseline
▲ 0.50% · 4.625%
HK$27,930
+HK$1,398/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,064/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$124,035 · 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).