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$12,601
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,992
−HK$399/mo
Today · 4.125%
HK$13,391
baseline
▲ 0.50% · 4.625%
HK$14,205
+HK$814/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,782/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,018
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,394
−HK$381/mo
Today · 4.125%
HK$14,775
baseline
▲ 0.50% · 4.625%
HK$15,554
+HK$779/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,550/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,121
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,591
−HK$478/mo
Today · 4.125%
HK$16,069
baseline
▲ 0.50% · 4.625%
HK$17,047
+HK$978/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,138/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,822
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,273
−HK$457/mo
Today · 4.125%
HK$17,730
baseline
▲ 0.50% · 4.625%
HK$18,665
+HK$935/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,460/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,641
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,189
−HK$558/mo
Today · 4.125%
HK$18,747
baseline
▲ 0.50% · 4.625%
HK$19,888
+HK$1,141/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,494/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,625
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,152
−HK$533/mo
Today · 4.125%
HK$20,685
baseline
▲ 0.50% · 4.625%
HK$21,776
+HK$1,091/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,370/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,681
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,386
−HK$717/mo
Today · 4.125%
HK$24,103
baseline
▲ 0.50% · 4.625%
HK$25,570
+HK$1,467/mo
Deposit HK$553K · loan HK$4.97M · min. income ≈ HK$48,206/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,232
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,909
−HK$687/mo
Today · 4.125%
HK$26,596
baseline
▲ 0.50% · 4.625%
HK$27,997
+HK$1,401/mo
Deposit HK$553K · loan HK$4.97M · min. income ≈ HK$53,192/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,334 · 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).