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$12,566
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,957
−HK$397/mo
Today · 4.125%
HK$13,354
baseline
▲ 0.50% · 4.625%
HK$14,167
+HK$813/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,708/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,980
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,355
−HK$380/mo
Today · 4.125%
HK$14,735
baseline
▲ 0.50% · 4.625%
HK$15,512
+HK$777/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,470/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,080
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,549
−HK$476/mo
Today · 4.125%
HK$16,025
baseline
▲ 0.50% · 4.625%
HK$17,000
+HK$975/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$32,050/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,776
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,226
−HK$456/mo
Today · 4.125%
HK$17,682
baseline
▲ 0.50% · 4.625%
HK$18,614
+HK$932/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$35,364/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,593
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,140
−HK$556/mo
Today · 4.125%
HK$18,696
baseline
▲ 0.50% · 4.625%
HK$19,834
+HK$1,138/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,392/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,572
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,097
−HK$532/mo
Today · 4.125%
HK$20,629
baseline
▲ 0.50% · 4.625%
HK$21,717
+HK$1,088/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,258/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,619
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,323
−HK$715/mo
Today · 4.125%
HK$24,038
baseline
▲ 0.50% · 4.625%
HK$25,501
+HK$1,463/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,076/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,164
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,839
−HK$684/mo
Today · 4.125%
HK$26,523
baseline
▲ 0.50% · 4.625%
HK$27,922
+HK$1,399/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,046/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,997 · 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).