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$12,654
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,048
−HK$400/mo
Today · 4.125%
HK$13,448
baseline
▲ 0.50% · 4.625%
HK$14,266
+HK$818/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,896/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,078
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,455
−HK$383/mo
Today · 4.125%
HK$14,838
baseline
▲ 0.50% · 4.625%
HK$15,621
+HK$783/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,676/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,185
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,657
−HK$480/mo
Today · 4.125%
HK$16,137
baseline
▲ 0.50% · 4.625%
HK$17,119
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,274/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,893
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,346
−HK$460/mo
Today · 4.125%
HK$17,806
baseline
▲ 0.50% · 4.625%
HK$18,745
+HK$939/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,612/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,716
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,267
−HK$560/mo
Today · 4.125%
HK$18,827
baseline
▲ 0.50% · 4.625%
HK$19,973
+HK$1,146/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,654/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,709
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,237
−HK$537/mo
Today · 4.125%
HK$20,774
baseline
▲ 0.50% · 4.625%
HK$21,869
+HK$1,095/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,548/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,778
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,486
−HK$720/mo
Today · 4.125%
HK$24,206
baseline
▲ 0.50% · 4.625%
HK$25,679
+HK$1,473/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$48,412/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,340
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,020
−HK$689/mo
Today · 4.125%
HK$26,709
baseline
▲ 0.50% · 4.625%
HK$28,117
+HK$1,408/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$53,418/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,864 · 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).