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$12,582
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,973
−HK$398/mo
Today · 4.125%
HK$13,371
baseline
▲ 0.50% · 4.625%
HK$14,184
+HK$813/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,742/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,997
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,372
−HK$381/mo
Today · 4.125%
HK$14,753
baseline
▲ 0.50% · 4.625%
HK$15,531
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,506/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,098
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,568
−HK$477/mo
Today · 4.125%
HK$16,045
baseline
▲ 0.50% · 4.625%
HK$17,021
+HK$976/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,090/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,796
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,247
−HK$457/mo
Today · 4.125%
HK$17,704
baseline
▲ 0.50% · 4.625%
HK$18,637
+HK$933/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,408/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,614
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,162
−HK$557/mo
Today · 4.125%
HK$18,719
baseline
▲ 0.50% · 4.625%
HK$19,858
+HK$1,139/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$37,438/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,596
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,121
−HK$533/mo
Today · 4.125%
HK$20,654
baseline
▲ 0.50% · 4.625%
HK$21,743
+HK$1,089/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$41,308/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,647
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,351
−HK$716/mo
Today · 4.125%
HK$24,067
baseline
▲ 0.50% · 4.625%
HK$25,531
+HK$1,464/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,134/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,194
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,870
−HK$686/mo
Today · 4.125%
HK$26,556
baseline
▲ 0.50% · 4.625%
HK$27,955
+HK$1,399/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,112/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,147 · 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).