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$12,623
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,016
−HK$398/mo
Today · 4.125%
HK$13,414
baseline
▲ 0.50% · 4.625%
HK$14,231
+HK$817/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,828/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,043
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,419
−HK$383/mo
Today · 4.125%
HK$14,802
baseline
▲ 0.50% · 4.625%
HK$15,582
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,604/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,147
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,619
−HK$478/mo
Today · 4.125%
HK$16,097
baseline
▲ 0.50% · 4.625%
HK$17,077
+HK$980/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,194/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,851
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,303
−HK$459/mo
Today · 4.125%
HK$17,762
baseline
▲ 0.50% · 4.625%
HK$18,698
+HK$936/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,524/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,672
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,222
−HK$558/mo
Today · 4.125%
HK$18,780
baseline
▲ 0.50% · 4.625%
HK$19,923
+HK$1,143/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,560/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,660
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,187
−HK$535/mo
Today · 4.125%
HK$20,722
baseline
▲ 0.50% · 4.625%
HK$21,814
+HK$1,092/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,444/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,721
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,428
−HK$718/mo
Today · 4.125%
HK$24,146
baseline
▲ 0.50% · 4.625%
HK$25,615
+HK$1,469/mo
Deposit HK$554K · loan HK$4.98M · min. income ≈ HK$48,292/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,277
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,955
−HK$688/mo
Today · 4.125%
HK$26,643
baseline
▲ 0.50% · 4.625%
HK$28,047
+HK$1,404/mo
Deposit HK$554K · loan HK$4.98M · min. income ≈ HK$53,286/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,554 · 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).