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$12,653
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,047
−HK$400/mo
Today · 4.125%
HK$13,447
baseline
▲ 0.50% · 4.625%
HK$14,265
+HK$818/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,894/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,077
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,454
−HK$383/mo
Today · 4.125%
HK$14,837
baseline
▲ 0.50% · 4.625%
HK$15,619
+HK$782/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,674/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,184
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,656
−HK$480/mo
Today · 4.125%
HK$16,136
baseline
▲ 0.50% · 4.625%
HK$17,118
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,272/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,892
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,345
−HK$460/mo
Today · 4.125%
HK$17,805
baseline
▲ 0.50% · 4.625%
HK$18,743
+HK$938/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,610/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,715
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,266
−HK$560/mo
Today · 4.125%
HK$18,826
baseline
▲ 0.50% · 4.625%
HK$19,971
+HK$1,145/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,652/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,707
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,236
−HK$536/mo
Today · 4.125%
HK$20,772
baseline
▲ 0.50% · 4.625%
HK$21,867
+HK$1,095/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,544/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,776
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,484
−HK$720/mo
Today · 4.125%
HK$24,204
baseline
▲ 0.50% · 4.625%
HK$25,677
+HK$1,473/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$48,408/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,338
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,018
−HK$689/mo
Today · 4.125%
HK$26,707
baseline
▲ 0.50% · 4.625%
HK$28,115
+HK$1,408/mo
Deposit HK$555K · loan HK$4.99M · min. income ≈ HK$53,414/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,855 · 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).