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$12,614
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,006
−HK$399/mo
Today · 4.125%
HK$13,405
baseline
▲ 0.50% · 4.625%
HK$14,220
+HK$815/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,810/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,033
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,409
−HK$382/mo
Today · 4.125%
HK$14,791
baseline
▲ 0.50% · 4.625%
HK$15,570
+HK$779/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,582/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,136
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,607
−HK$479/mo
Today · 4.125%
HK$16,086
baseline
▲ 0.50% · 4.625%
HK$17,064
+HK$978/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,172/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,839
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,291
−HK$458/mo
Today · 4.125%
HK$17,749
baseline
▲ 0.50% · 4.625%
HK$18,684
+HK$935/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,498/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,659
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,208
−HK$558/mo
Today · 4.125%
HK$18,766
baseline
▲ 0.50% · 4.625%
HK$19,908
+HK$1,142/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,532/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,646
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,172
−HK$535/mo
Today · 4.125%
HK$20,707
baseline
▲ 0.50% · 4.625%
HK$21,798
+HK$1,091/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,414/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,705
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,411
−HK$717/mo
Today · 4.125%
HK$24,128
baseline
▲ 0.50% · 4.625%
HK$25,596
+HK$1,468/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,256/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,259
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,936
−HK$687/mo
Today · 4.125%
HK$26,623
baseline
▲ 0.50% · 4.625%
HK$28,027
+HK$1,404/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,246/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,463 · 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).