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$14,199
+HK$814/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$124,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,012
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,387
−HK$382/mo
Today · 4.125%
HK$14,769
baseline
▲ 0.50% · 4.625%
HK$15,547
+HK$778/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$124,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,114
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,584
−HK$477/mo
Today · 4.125%
HK$16,061
baseline
▲ 0.50% · 4.625%
HK$17,039
+HK$978/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,122/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,814
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,265
−HK$457/mo
Today · 4.125%
HK$17,722
baseline
▲ 0.50% · 4.625%
HK$18,656
+HK$934/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,444/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,633
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,181
−HK$557/mo
Today · 4.125%
HK$18,738
baseline
▲ 0.50% · 4.625%
HK$19,879
+HK$1,141/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,476/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,616
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,142
−HK$534/mo
Today · 4.125%
HK$20,676
baseline
▲ 0.50% · 4.625%
HK$21,766
+HK$1,090/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,352/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,671
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,376
−HK$716/mo
Today · 4.125%
HK$24,092
baseline
▲ 0.50% · 4.625%
HK$25,558
+HK$1,466/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,184/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,221
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,897
−HK$686/mo
Today · 4.125%
HK$26,583
baseline
▲ 0.50% · 4.625%
HK$27,985
+HK$1,402/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,166/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,277 · 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).