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$12,628
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,021
−HK$399/mo
Today · 4.125%
HK$13,420
baseline
▲ 0.50% · 4.625%
HK$14,236
+HK$816/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,840/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,049
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,425
−HK$383/mo
Today · 4.125%
HK$14,808
baseline
▲ 0.50% · 4.625%
HK$15,588
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,616/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,154
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,625
−HK$479/mo
Today · 4.125%
HK$16,104
baseline
▲ 0.50% · 4.625%
HK$17,084
+HK$980/mo
Deposit HK$2.22M · loan HK$3.32M · min. income ≈ HK$32,208/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,858
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,310
−HK$459/mo
Today · 4.125%
HK$17,769
baseline
▲ 0.50% · 4.625%
HK$18,706
+HK$937/mo
Deposit HK$2.22M · loan HK$3.32M · min. income ≈ HK$35,538/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,679
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,229
−HK$559/mo
Today · 4.125%
HK$18,788
baseline
▲ 0.50% · 4.625%
HK$19,931
+HK$1,143/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,576/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,668
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,195
−HK$536/mo
Today · 4.125%
HK$20,731
baseline
▲ 0.50% · 4.625%
HK$21,823
+HK$1,092/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,462/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,730
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,437
−HK$719/mo
Today · 4.125%
HK$24,156
baseline
▲ 0.50% · 4.625%
HK$25,626
+HK$1,470/mo
Deposit HK$554K · loan HK$4.98M · min. income ≈ HK$48,312/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,287
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,965
−HK$689/mo
Today · 4.125%
HK$26,654
baseline
▲ 0.50% · 4.625%
HK$28,058
+HK$1,404/mo
Deposit HK$554K · loan HK$4.98M · min. income ≈ HK$53,308/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,605 · 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).