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$12,575
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,967
−HK$397/mo
Today · 4.125%
HK$13,364
baseline
▲ 0.50% · 4.625%
HK$14,177
+HK$813/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,728/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,990
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,365
−HK$381/mo
Today · 4.125%
HK$14,746
baseline
▲ 0.50% · 4.625%
HK$15,523
+HK$777/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,492/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,090
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,560
−HK$477/mo
Today · 4.125%
HK$16,037
baseline
▲ 0.50% · 4.625%
HK$17,013
+HK$976/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,074/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,788
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,238
−HK$457/mo
Today · 4.125%
HK$17,695
baseline
▲ 0.50% · 4.625%
HK$18,628
+HK$933/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,390/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,606
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,153
−HK$557/mo
Today · 4.125%
HK$18,710
baseline
▲ 0.50% · 4.625%
HK$19,848
+HK$1,138/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,420/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,586
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,111
−HK$533/mo
Today · 4.125%
HK$20,644
baseline
▲ 0.50% · 4.625%
HK$21,732
+HK$1,088/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,288/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,636
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,340
−HK$715/mo
Today · 4.125%
HK$24,055
baseline
▲ 0.50% · 4.625%
HK$25,519
+HK$1,464/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,110/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,182
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,857
−HK$685/mo
Today · 4.125%
HK$26,542
baseline
▲ 0.50% · 4.625%
HK$27,942
+HK$1,400/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,084/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,086 · 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).