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$12,621
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,013
−HK$399/mo
Today · 4.125%
HK$13,412
baseline
▲ 0.50% · 4.625%
HK$14,228
+HK$816/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,824/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,040
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,417
−HK$382/mo
Today · 4.125%
HK$14,799
baseline
▲ 0.50% · 4.625%
HK$15,579
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,598/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,145
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,616
−HK$478/mo
Today · 4.125%
HK$16,094
baseline
▲ 0.50% · 4.625%
HK$17,074
+HK$980/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,188/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,848
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,300
−HK$459/mo
Today · 4.125%
HK$17,759
baseline
▲ 0.50% · 4.625%
HK$18,695
+HK$936/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,518/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,669
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,218
−HK$559/mo
Today · 4.125%
HK$18,777
baseline
▲ 0.50% · 4.625%
HK$19,919
+HK$1,142/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,554/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,656
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,184
−HK$534/mo
Today · 4.125%
HK$20,718
baseline
▲ 0.50% · 4.625%
HK$21,810
+HK$1,092/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,436/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,717
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,424
−HK$718/mo
Today · 4.125%
HK$24,142
baseline
▲ 0.50% · 4.625%
HK$25,611
+HK$1,469/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,284/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,273
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,950
−HK$688/mo
Today · 4.125%
HK$26,638
baseline
▲ 0.50% · 4.625%
HK$28,042
+HK$1,404/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,276/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,532 · 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).