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$12,578
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,969
−HK$398/mo
Today · 4.125%
HK$13,367
baseline
▲ 0.50% · 4.625%
HK$14,180
+HK$813/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,734/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,993
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,368
−HK$381/mo
Today · 4.125%
HK$14,749
baseline
▲ 0.50% · 4.625%
HK$15,526
+HK$777/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,498/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,093
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,563
−HK$477/mo
Today · 4.125%
HK$16,040
baseline
▲ 0.50% · 4.625%
HK$17,016
+HK$976/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,080/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,791
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,242
−HK$457/mo
Today · 4.125%
HK$17,699
baseline
▲ 0.50% · 4.625%
HK$18,631
+HK$932/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,398/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,609
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,157
−HK$556/mo
Today · 4.125%
HK$18,713
baseline
▲ 0.50% · 4.625%
HK$19,852
+HK$1,139/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,426/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,590
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,115
−HK$533/mo
Today · 4.125%
HK$20,648
baseline
▲ 0.50% · 4.625%
HK$21,737
+HK$1,089/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,296/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,640
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,344
−HK$716/mo
Today · 4.125%
HK$24,060
baseline
▲ 0.50% · 4.625%
HK$25,524
+HK$1,464/mo
Deposit HK$552K · loan HK$4.96M · min. income ≈ HK$48,120/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,187
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,862
−HK$686/mo
Today · 4.125%
HK$26,548
baseline
▲ 0.50% · 4.625%
HK$27,947
+HK$1,399/mo
Deposit HK$552K · loan HK$4.96M · min. income ≈ HK$53,096/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,110 · 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).