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$12,595
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,987
−HK$398/mo
Today · 4.125%
HK$13,385
baseline
▲ 0.50% · 4.625%
HK$14,200
+HK$815/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,770/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,012
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,388
−HK$381/mo
Today · 4.125%
HK$14,769
baseline
▲ 0.50% · 4.625%
HK$15,548
+HK$779/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,538/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,114
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,584
−HK$478/mo
Today · 4.125%
HK$16,062
baseline
▲ 0.50% · 4.625%
HK$17,039
+HK$977/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,124/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,815
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,265
−HK$458/mo
Today · 4.125%
HK$17,723
baseline
▲ 0.50% · 4.625%
HK$18,657
+HK$934/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,446/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,633
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,182
−HK$557/mo
Today · 4.125%
HK$18,739
baseline
▲ 0.50% · 4.625%
HK$19,879
+HK$1,140/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,478/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,617
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,143
−HK$534/mo
Today · 4.125%
HK$20,677
baseline
▲ 0.50% · 4.625%
HK$21,767
+HK$1,090/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,354/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,671
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,377
−HK$716/mo
Today · 4.125%
HK$24,093
baseline
▲ 0.50% · 4.625%
HK$25,559
+HK$1,466/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,186/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,222
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,898
−HK$686/mo
Today · 4.125%
HK$26,584
baseline
▲ 0.50% · 4.625%
HK$27,986
+HK$1,402/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,168/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,282 · 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).