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$12,600
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,992
−HK$398/mo
Today · 4.125%
HK$13,390
baseline
▲ 0.50% · 4.625%
HK$14,205
+HK$815/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,780/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,017
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,393
−HK$381/mo
Today · 4.125%
HK$14,774
baseline
▲ 0.50% · 4.625%
HK$15,553
+HK$779/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,548/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,120
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,590
−HK$478/mo
Today · 4.125%
HK$16,068
baseline
▲ 0.50% · 4.625%
HK$17,046
+HK$978/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,136/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,821
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,272
−HK$457/mo
Today · 4.125%
HK$17,729
baseline
▲ 0.50% · 4.625%
HK$18,664
+HK$935/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,458/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,640
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,188
−HK$558/mo
Today · 4.125%
HK$18,746
baseline
▲ 0.50% · 4.625%
HK$19,887
+HK$1,141/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,492/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,624
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,150
−HK$534/mo
Today · 4.125%
HK$20,684
baseline
▲ 0.50% · 4.625%
HK$21,775
+HK$1,091/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,368/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,680
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,385
−HK$717/mo
Today · 4.125%
HK$24,102
baseline
▲ 0.50% · 4.625%
HK$25,568
+HK$1,466/mo
Deposit HK$553K · loan HK$4.97M · min. income ≈ HK$48,204/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,231
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,908
−HK$686/mo
Today · 4.125%
HK$26,594
baseline
▲ 0.50% · 4.625%
HK$27,996
+HK$1,402/mo
Deposit HK$553K · loan HK$4.97M · min. income ≈ HK$53,188/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,327 · 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).