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$12,586
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,977
−HK$398/mo
Today · 4.125%
HK$13,375
baseline
▲ 0.50% · 4.625%
HK$14,189
+HK$814/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,750/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,001
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,377
−HK$381/mo
Today · 4.125%
HK$14,758
baseline
▲ 0.50% · 4.625%
HK$15,536
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,516/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,103
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,573
−HK$477/mo
Today · 4.125%
HK$16,050
baseline
▲ 0.50% · 4.625%
HK$17,027
+HK$977/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,100/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,802
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,252
−HK$458/mo
Today · 4.125%
HK$17,710
baseline
▲ 0.50% · 4.625%
HK$18,643
+HK$933/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,420/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,620
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,168
−HK$557/mo
Today · 4.125%
HK$18,725
baseline
▲ 0.50% · 4.625%
HK$19,864
+HK$1,139/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$37,450/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,602
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,128
−HK$533/mo
Today · 4.125%
HK$20,661
baseline
▲ 0.50% · 4.625%
HK$21,750
+HK$1,089/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$41,322/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,654
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,359
−HK$716/mo
Today · 4.125%
HK$24,075
baseline
▲ 0.50% · 4.625%
HK$25,540
+HK$1,465/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,150/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,203
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,879
−HK$685/mo
Today · 4.125%
HK$26,564
baseline
▲ 0.50% · 4.625%
HK$27,965
+HK$1,401/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,128/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,188 · 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).