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$12,596
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,988
−HK$398/mo
Today · 4.125%
HK$13,386
baseline
▲ 0.50% · 4.625%
HK$14,201
+HK$815/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,772/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,013
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,389
−HK$381/mo
Today · 4.125%
HK$14,770
baseline
▲ 0.50% · 4.625%
HK$15,549
+HK$779/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,540/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,115
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,586
−HK$477/mo
Today · 4.125%
HK$16,063
baseline
▲ 0.50% · 4.625%
HK$17,041
+HK$978/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,126/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,816
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,267
−HK$457/mo
Today · 4.125%
HK$17,724
baseline
▲ 0.50% · 4.625%
HK$18,658
+HK$934/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,448/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,635
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,183
−HK$557/mo
Today · 4.125%
HK$18,740
baseline
▲ 0.50% · 4.625%
HK$19,881
+HK$1,141/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,480/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,618
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,144
−HK$534/mo
Today · 4.125%
HK$20,678
baseline
▲ 0.50% · 4.625%
HK$21,768
+HK$1,090/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,356/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,673
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,378
−HK$717/mo
Today · 4.125%
HK$24,095
baseline
▲ 0.50% · 4.625%
HK$25,561
+HK$1,466/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,190/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,224
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,900
−HK$686/mo
Today · 4.125%
HK$26,586
baseline
▲ 0.50% · 4.625%
HK$27,988
+HK$1,402/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,172/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,291 · 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).