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$12,621
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,014
−HK$398/mo
Today · 4.125%
HK$13,412
baseline
▲ 0.50% · 4.625%
HK$14,229
+HK$817/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,824/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,041
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,417
−HK$382/mo
Today · 4.125%
HK$14,799
baseline
▲ 0.50% · 4.625%
HK$15,579
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,598/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,145
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,616
−HK$479/mo
Today · 4.125%
HK$16,095
baseline
▲ 0.50% · 4.625%
HK$17,074
+HK$979/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,190/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,849
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,301
−HK$458/mo
Today · 4.125%
HK$17,759
baseline
▲ 0.50% · 4.625%
HK$18,695
+HK$936/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,518/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,669
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,219
−HK$558/mo
Today · 4.125%
HK$18,777
baseline
▲ 0.50% · 4.625%
HK$19,920
+HK$1,143/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,554/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,657
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,184
−HK$535/mo
Today · 4.125%
HK$20,719
baseline
▲ 0.50% · 4.625%
HK$21,811
+HK$1,092/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,438/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,718
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,424
−HK$718/mo
Today · 4.125%
HK$24,142
baseline
▲ 0.50% · 4.625%
HK$25,611
+HK$1,469/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,284/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,273
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,951
−HK$688/mo
Today · 4.125%
HK$26,639
baseline
▲ 0.50% · 4.625%
HK$28,043
+HK$1,404/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,278/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,536 · 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).