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$12,631
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,024
−HK$399/mo
Today · 4.125%
HK$13,423
baseline
▲ 0.50% · 4.625%
HK$14,240
+HK$817/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,846/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,052
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,429
−HK$382/mo
Today · 4.125%
HK$14,811
baseline
▲ 0.50% · 4.625%
HK$15,592
+HK$781/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,622/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,157
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,629
−HK$479/mo
Today · 4.125%
HK$16,108
baseline
▲ 0.50% · 4.625%
HK$17,088
+HK$980/mo
Deposit HK$2.22M · loan HK$3.32M · min. income ≈ HK$32,216/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,862
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,315
−HK$458/mo
Today · 4.125%
HK$17,773
baseline
▲ 0.50% · 4.625%
HK$18,710
+HK$937/mo
Deposit HK$2.22M · loan HK$3.32M · min. income ≈ HK$35,546/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,683
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,234
−HK$558/mo
Today · 4.125%
HK$18,792
baseline
▲ 0.50% · 4.625%
HK$19,936
+HK$1,144/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,584/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,673
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,200
−HK$536/mo
Today · 4.125%
HK$20,736
baseline
▲ 0.50% · 4.625%
HK$21,829
+HK$1,093/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,472/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,736
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,443
−HK$719/mo
Today · 4.125%
HK$24,162
baseline
▲ 0.50% · 4.625%
HK$25,632
+HK$1,470/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$48,324/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,293
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,972
−HK$688/mo
Today · 4.125%
HK$26,660
baseline
▲ 0.50% · 4.625%
HK$28,065
+HK$1,405/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$53,320/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,635 · 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).