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$12,631
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,023
−HK$400/mo
Today · 4.125%
HK$13,423
baseline
▲ 0.50% · 4.625%
HK$14,239
+HK$816/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,846/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,051
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,428
−HK$382/mo
Today · 4.125%
HK$14,810
baseline
▲ 0.50% · 4.625%
HK$15,591
+HK$781/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,620/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,157
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,628
−HK$479/mo
Today · 4.125%
HK$16,107
baseline
▲ 0.50% · 4.625%
HK$17,087
+HK$980/mo
Deposit HK$2.22M · loan HK$3.32M · min. income ≈ HK$32,214/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,862
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,314
−HK$459/mo
Today · 4.125%
HK$17,773
baseline
▲ 0.50% · 4.625%
HK$18,709
+HK$936/mo
Deposit HK$2.22M · loan HK$3.32M · min. income ≈ HK$35,546/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,683
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,233
−HK$559/mo
Today · 4.125%
HK$18,792
baseline
▲ 0.50% · 4.625%
HK$19,935
+HK$1,143/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,584/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,672
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,199
−HK$536/mo
Today · 4.125%
HK$20,735
baseline
▲ 0.50% · 4.625%
HK$21,828
+HK$1,093/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,470/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,735
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,442
−HK$719/mo
Today · 4.125%
HK$24,161
baseline
▲ 0.50% · 4.625%
HK$25,631
+HK$1,470/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$48,322/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,292
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,971
−HK$688/mo
Today · 4.125%
HK$26,659
baseline
▲ 0.50% · 4.625%
HK$28,064
+HK$1,405/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$53,318/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,630 · 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).