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$12,632
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,025
−HK$399/mo
Today · 4.125%
HK$13,424
baseline
▲ 0.50% · 4.625%
HK$14,241
+HK$817/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,848/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,053
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,430
−HK$382/mo
Today · 4.125%
HK$14,812
baseline
▲ 0.50% · 4.625%
HK$15,593
+HK$781/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,624/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,158
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,630
−HK$479/mo
Today · 4.125%
HK$16,109
baseline
▲ 0.50% · 4.625%
HK$17,089
+HK$980/mo
Deposit HK$2.22M · loan HK$3.32M · min. income ≈ HK$32,218/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,863
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,316
−HK$458/mo
Today · 4.125%
HK$17,774
baseline
▲ 0.50% · 4.625%
HK$18,711
+HK$937/mo
Deposit HK$2.22M · loan HK$3.32M · min. income ≈ HK$35,548/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,685
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,235
−HK$559/mo
Today · 4.125%
HK$18,794
baseline
▲ 0.50% · 4.625%
HK$19,937
+HK$1,143/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,588/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,674
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,202
−HK$535/mo
Today · 4.125%
HK$20,737
baseline
▲ 0.50% · 4.625%
HK$21,830
+HK$1,093/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,474/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,737
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,445
−HK$718/mo
Today · 4.125%
HK$24,163
baseline
▲ 0.50% · 4.625%
HK$25,633
+HK$1,470/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$48,326/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,295
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,973
−HK$689/mo
Today · 4.125%
HK$26,662
baseline
▲ 0.50% · 4.625%
HK$28,067
+HK$1,405/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$53,324/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,642 · 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).