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$12,572
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,963
−HK$397/mo
Today · 4.125%
HK$13,360
baseline
▲ 0.50% · 4.625%
HK$14,173
+HK$813/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,720/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,986
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,361
−HK$381/mo
Today · 4.125%
HK$14,742
baseline
▲ 0.50% · 4.625%
HK$15,519
+HK$777/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,484/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,086
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,556
−HK$476/mo
Today · 4.125%
HK$16,032
baseline
▲ 0.50% · 4.625%
HK$17,008
+HK$976/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,064/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,783
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,234
−HK$456/mo
Today · 4.125%
HK$17,690
baseline
▲ 0.50% · 4.625%
HK$18,623
+HK$933/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,380/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,601
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,148
−HK$556/mo
Today · 4.125%
HK$18,704
baseline
▲ 0.50% · 4.625%
HK$19,843
+HK$1,139/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,408/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,581
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,106
−HK$532/mo
Today · 4.125%
HK$20,638
baseline
▲ 0.50% · 4.625%
HK$21,726
+HK$1,088/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,276/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,629
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,333
−HK$716/mo
Today · 4.125%
HK$24,049
baseline
▲ 0.50% · 4.625%
HK$25,512
+HK$1,463/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,098/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$124,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,175
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,850
−HK$685/mo
Today · 4.125%
HK$26,535
baseline
▲ 0.50% · 4.625%
HK$27,934
+HK$1,399/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,070/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$124,052 · 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).