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$12,587
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,978
−HK$398/mo
Today · 4.125%
HK$13,376
baseline
▲ 0.50% · 4.625%
HK$14,190
+HK$814/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,752/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,003
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,378
−HK$381/mo
Today · 4.125%
HK$14,759
baseline
▲ 0.50% · 4.625%
HK$15,537
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,518/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,104
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,574
−HK$477/mo
Today · 4.125%
HK$16,051
baseline
▲ 0.50% · 4.625%
HK$17,028
+HK$977/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,102/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,803
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,254
−HK$457/mo
Today · 4.125%
HK$17,711
baseline
▲ 0.50% · 4.625%
HK$18,644
+HK$933/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,422/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,621
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,170
−HK$556/mo
Today · 4.125%
HK$18,726
baseline
▲ 0.50% · 4.625%
HK$19,866
+HK$1,140/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$37,452/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,604
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,129
−HK$534/mo
Today · 4.125%
HK$20,663
baseline
▲ 0.50% · 4.625%
HK$21,752
+HK$1,089/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$41,326/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,656
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,361
−HK$716/mo
Today · 4.125%
HK$24,077
baseline
▲ 0.50% · 4.625%
HK$25,542
+HK$1,465/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,154/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,205
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,881
−HK$685/mo
Today · 4.125%
HK$26,566
baseline
▲ 0.50% · 4.625%
HK$27,967
+HK$1,401/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,132/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,197 · 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).