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$12,652
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,045
−HK$400/mo
Today · 4.125%
HK$13,445
baseline
▲ 0.50% · 4.625%
HK$14,263
+HK$818/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,890/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,075
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,453
−HK$383/mo
Today · 4.125%
HK$14,836
baseline
▲ 0.50% · 4.625%
HK$15,618
+HK$782/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,672/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,182
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,655
−HK$479/mo
Today · 4.125%
HK$16,134
baseline
▲ 0.50% · 4.625%
HK$17,116
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,268/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,890
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,343
−HK$460/mo
Today · 4.125%
HK$17,803
baseline
▲ 0.50% · 4.625%
HK$18,741
+HK$938/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,606/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,713
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,264
−HK$559/mo
Today · 4.125%
HK$18,823
baseline
▲ 0.50% · 4.625%
HK$19,969
+HK$1,146/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,646/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,705
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,234
−HK$536/mo
Today · 4.125%
HK$20,770
baseline
▲ 0.50% · 4.625%
HK$21,865
+HK$1,095/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,540/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,773
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,482
−HK$720/mo
Today · 4.125%
HK$24,202
baseline
▲ 0.50% · 4.625%
HK$25,674
+HK$1,472/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$48,404/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,335
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,015
−HK$689/mo
Today · 4.125%
HK$26,704
baseline
▲ 0.50% · 4.625%
HK$28,112
+HK$1,408/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$53,408/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,841 · 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).