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$12,629
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,022
−HK$399/mo
Today · 4.125%
HK$13,421
baseline
▲ 0.50% · 4.625%
HK$14,238
+HK$817/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,842/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,050
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,427
−HK$382/mo
Today · 4.125%
HK$14,809
baseline
▲ 0.50% · 4.625%
HK$15,590
+HK$781/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,618/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,155
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,626
−HK$479/mo
Today · 4.125%
HK$16,105
baseline
▲ 0.50% · 4.625%
HK$17,085
+HK$980/mo
Deposit HK$2.22M · loan HK$3.32M · min. income ≈ HK$32,210/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,860
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,312
−HK$459/mo
Today · 4.125%
HK$17,771
baseline
▲ 0.50% · 4.625%
HK$18,707
+HK$936/mo
Deposit HK$2.22M · loan HK$3.32M · min. income ≈ HK$35,542/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,681
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,231
−HK$559/mo
Today · 4.125%
HK$18,790
baseline
▲ 0.50% · 4.625%
HK$19,933
+HK$1,143/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,580/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,670
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,197
−HK$535/mo
Today · 4.125%
HK$20,732
baseline
▲ 0.50% · 4.625%
HK$21,825
+HK$1,093/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,464/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,733
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,440
−HK$718/mo
Today · 4.125%
HK$24,158
baseline
▲ 0.50% · 4.625%
HK$25,628
+HK$1,470/mo
Deposit HK$554K · loan HK$4.98M · min. income ≈ HK$48,316/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,290
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,968
−HK$688/mo
Today · 4.125%
HK$26,656
baseline
▲ 0.50% · 4.625%
HK$28,061
+HK$1,405/mo
Deposit HK$554K · loan HK$4.98M · min. income ≈ HK$53,312/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,617 · 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).