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$12,575
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,966
−HK$397/mo
Today · 4.125%
HK$13,363
baseline
▲ 0.50% · 4.625%
HK$14,176
+HK$813/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,726/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,989
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,364
−HK$381/mo
Today · 4.125%
HK$14,745
baseline
▲ 0.50% · 4.625%
HK$15,522
+HK$777/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,490/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,090
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,559
−HK$477/mo
Today · 4.125%
HK$16,036
baseline
▲ 0.50% · 4.625%
HK$17,012
+HK$976/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,072/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,787
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,237
−HK$457/mo
Today · 4.125%
HK$17,694
baseline
▲ 0.50% · 4.625%
HK$18,627
+HK$933/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,388/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,604
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,152
−HK$556/mo
Today · 4.125%
HK$18,708
baseline
▲ 0.50% · 4.625%
HK$19,847
+HK$1,139/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,416/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,585
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,110
−HK$533/mo
Today · 4.125%
HK$20,643
baseline
▲ 0.50% · 4.625%
HK$21,731
+HK$1,088/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,286/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,634
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,338
−HK$716/mo
Today · 4.125%
HK$24,054
baseline
▲ 0.50% · 4.625%
HK$25,517
+HK$1,463/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,108/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,180
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,856
−HK$685/mo
Today · 4.125%
HK$26,541
baseline
▲ 0.50% · 4.625%
HK$27,940
+HK$1,399/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,082/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,078 · 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).