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$792/mo
▼ 0.25% · 3.875%
HK$13,014
−HK$399/mo
Today · 4.125%
HK$13,413
baseline
▲ 0.50% · 4.625%
HK$14,229
+HK$816/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,826/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,041
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,418
−HK$382/mo
Today · 4.125%
HK$14,800
baseline
▲ 0.50% · 4.625%
HK$15,580
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,600/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,145
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,617
−HK$478/mo
Today · 4.125%
HK$16,095
baseline
▲ 0.50% · 4.625%
HK$17,075
+HK$980/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$124,538 · 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$18,696
+HK$937/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$124,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,670
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,219
−HK$559/mo
Today · 4.125%
HK$18,778
baseline
▲ 0.50% · 4.625%
HK$19,920
+HK$1,142/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,556/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,657
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,185
−HK$534/mo
Today · 4.125%
HK$20,719
baseline
▲ 0.50% · 4.625%
HK$21,812
+HK$1,093/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$124,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,718
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,425
−HK$718/mo
Today · 4.125%
HK$24,143
baseline
▲ 0.50% · 4.625%
HK$25,612
+HK$1,469/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,286/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,274
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,952
−HK$687/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$124,538 · 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).