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$12,574
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,965
−HK$397/mo
Today · 4.125%
HK$13,362
baseline
▲ 0.50% · 4.625%
HK$14,176
+HK$814/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,724/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,988
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,364
−HK$380/mo
Today · 4.125%
HK$14,744
baseline
▲ 0.50% · 4.625%
HK$15,521
+HK$777/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,488/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,089
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,558
−HK$477/mo
Today · 4.125%
HK$16,035
baseline
▲ 0.50% · 4.625%
HK$17,011
+HK$976/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,070/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,786
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,236
−HK$457/mo
Today · 4.125%
HK$17,693
baseline
▲ 0.50% · 4.625%
HK$18,626
+HK$933/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,386/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,604
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,151
−HK$556/mo
Today · 4.125%
HK$18,707
baseline
▲ 0.50% · 4.625%
HK$19,846
+HK$1,139/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,414/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,584
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,109
−HK$533/mo
Today · 4.125%
HK$20,642
baseline
▲ 0.50% · 4.625%
HK$21,730
+HK$1,088/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,284/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,633
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,337
−HK$715/mo
Today · 4.125%
HK$24,052
baseline
▲ 0.50% · 4.625%
HK$25,516
+HK$1,464/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,104/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$124,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,179
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,854
−HK$685/mo
Today · 4.125%
HK$26,539
baseline
▲ 0.50% · 4.625%
HK$27,938
+HK$1,399/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,078/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$124,071 · 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).