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$12,644
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,037
−HK$400/mo
Today · 4.125%
HK$13,437
baseline
▲ 0.50% · 4.625%
HK$14,254
+HK$817/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,874/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,066
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,443
−HK$383/mo
Today · 4.125%
HK$14,826
baseline
▲ 0.50% · 4.625%
HK$15,607
+HK$781/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,652/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,172
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,644
−HK$480/mo
Today · 4.125%
HK$16,124
baseline
▲ 0.50% · 4.625%
HK$17,105
+HK$981/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,248/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,879
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,332
−HK$459/mo
Today · 4.125%
HK$17,791
baseline
▲ 0.50% · 4.625%
HK$18,729
+HK$938/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,582/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,701
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,252
−HK$559/mo
Today · 4.125%
HK$18,811
baseline
▲ 0.50% · 4.625%
HK$19,956
+HK$1,145/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,622/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,692
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,221
−HK$535/mo
Today · 4.125%
HK$20,756
baseline
▲ 0.50% · 4.625%
HK$21,850
+HK$1,094/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,512/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,759
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,467
−HK$719/mo
Today · 4.125%
HK$24,186
baseline
▲ 0.50% · 4.625%
HK$25,658
+HK$1,472/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$48,372/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,319
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,998
−HK$689/mo
Today · 4.125%
HK$26,687
baseline
▲ 0.50% · 4.625%
HK$28,093
+HK$1,406/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$53,374/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,760 · 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).