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$12,577
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,968
−HK$398/mo
Today · 4.125%
HK$13,366
baseline
▲ 0.50% · 4.625%
HK$14,179
+HK$813/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,732/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,992
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,367
−HK$381/mo
Today · 4.125%
HK$14,748
baseline
▲ 0.50% · 4.625%
HK$15,525
+HK$777/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,496/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,092
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,562
−HK$477/mo
Today · 4.125%
HK$16,039
baseline
▲ 0.50% · 4.625%
HK$17,015
+HK$976/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,078/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,790
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,241
−HK$456/mo
Today · 4.125%
HK$17,697
baseline
▲ 0.50% · 4.625%
HK$18,630
+HK$933/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,394/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,608
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,156
−HK$556/mo
Today · 4.125%
HK$18,712
baseline
▲ 0.50% · 4.625%
HK$19,851
+HK$1,139/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,424/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,589
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,114
−HK$533/mo
Today · 4.125%
HK$20,647
baseline
▲ 0.50% · 4.625%
HK$21,735
+HK$1,088/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,294/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,639
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,343
−HK$715/mo
Today · 4.125%
HK$24,058
baseline
▲ 0.50% · 4.625%
HK$25,522
+HK$1,464/mo
Deposit HK$552K · loan HK$4.96M · min. income ≈ HK$48,116/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,185
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,861
−HK$685/mo
Today · 4.125%
HK$26,546
baseline
▲ 0.50% · 4.625%
HK$27,945
+HK$1,399/mo
Deposit HK$552K · loan HK$4.96M · min. income ≈ HK$53,092/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,102 · 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).