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$12,599
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,991
−HK$398/mo
Today · 4.125%
HK$13,389
baseline
▲ 0.50% · 4.625%
HK$14,204
+HK$815/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,778/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,016
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,392
−HK$382/mo
Today · 4.125%
HK$14,774
baseline
▲ 0.50% · 4.625%
HK$15,552
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,548/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,119
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,589
−HK$478/mo
Today · 4.125%
HK$16,067
baseline
▲ 0.50% · 4.625%
HK$17,045
+HK$978/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,134/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,820
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,271
−HK$457/mo
Today · 4.125%
HK$17,728
baseline
▲ 0.50% · 4.625%
HK$18,663
+HK$935/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,456/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,639
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,187
−HK$558/mo
Today · 4.125%
HK$18,745
baseline
▲ 0.50% · 4.625%
HK$19,885
+HK$1,140/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,490/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,623
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,149
−HK$534/mo
Today · 4.125%
HK$20,683
baseline
▲ 0.50% · 4.625%
HK$21,773
+HK$1,090/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,366/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,678
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,384
−HK$717/mo
Today · 4.125%
HK$24,101
baseline
▲ 0.50% · 4.625%
HK$25,567
+HK$1,466/mo
Deposit HK$553K · loan HK$4.97M · min. income ≈ HK$48,202/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,229
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,906
−HK$687/mo
Today · 4.125%
HK$26,593
baseline
▲ 0.50% · 4.625%
HK$27,994
+HK$1,401/mo
Deposit HK$553K · loan HK$4.97M · min. income ≈ HK$53,186/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,320 · 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).