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$12,603
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,995
−HK$398/mo
Today · 4.125%
HK$13,393
baseline
▲ 0.50% · 4.625%
HK$14,208
+HK$815/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,786/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,021
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,397
−HK$381/mo
Today · 4.125%
HK$14,778
baseline
▲ 0.50% · 4.625%
HK$15,557
+HK$779/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,556/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,124
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,594
−HK$478/mo
Today · 4.125%
HK$16,072
baseline
▲ 0.50% · 4.625%
HK$17,050
+HK$978/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,144/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,825
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,276
−HK$458/mo
Today · 4.125%
HK$17,734
baseline
▲ 0.50% · 4.625%
HK$18,669
+HK$935/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,468/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,644
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,193
−HK$558/mo
Today · 4.125%
HK$18,751
baseline
▲ 0.50% · 4.625%
HK$19,892
+HK$1,141/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,502/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,629
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,156
−HK$534/mo
Today · 4.125%
HK$20,690
baseline
▲ 0.50% · 4.625%
HK$21,780
+HK$1,090/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,380/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,686
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,391
−HK$717/mo
Today · 4.125%
HK$24,108
baseline
▲ 0.50% · 4.625%
HK$25,575
+HK$1,467/mo
Deposit HK$553K · loan HK$4.97M · min. income ≈ HK$48,216/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,238
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,914
−HK$687/mo
Today · 4.125%
HK$26,601
baseline
▲ 0.50% · 4.625%
HK$28,003
+HK$1,402/mo
Deposit HK$553K · loan HK$4.97M · min. income ≈ HK$53,202/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,359 · 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).