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$12,647
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,041
−HK$399/mo
Today · 4.125%
HK$13,440
baseline
▲ 0.50% · 4.625%
HK$14,258
+HK$818/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,880/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,070
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,447
−HK$383/mo
Today · 4.125%
HK$14,830
baseline
▲ 0.50% · 4.625%
HK$15,612
+HK$782/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,660/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,177
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,649
−HK$479/mo
Today · 4.125%
HK$16,128
baseline
▲ 0.50% · 4.625%
HK$17,110
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,256/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,884
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,337
−HK$459/mo
Today · 4.125%
HK$17,796
baseline
▲ 0.50% · 4.625%
HK$18,734
+HK$938/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,592/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,706
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,257
−HK$559/mo
Today · 4.125%
HK$18,816
baseline
▲ 0.50% · 4.625%
HK$19,961
+HK$1,145/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,632/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,698
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,226
−HK$536/mo
Today · 4.125%
HK$20,762
baseline
▲ 0.50% · 4.625%
HK$21,856
+HK$1,094/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,524/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,765
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,473
−HK$719/mo
Today · 4.125%
HK$24,192
baseline
▲ 0.50% · 4.625%
HK$25,665
+HK$1,473/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$48,384/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,326
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,005
−HK$689/mo
Today · 4.125%
HK$26,694
baseline
▲ 0.50% · 4.625%
HK$28,101
+HK$1,407/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$53,388/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,794 · 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).