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$12,634
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,027
−HK$399/mo
Today · 4.125%
HK$13,426
baseline
▲ 0.50% · 4.625%
HK$14,243
+HK$817/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,852/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,055
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,432
−HK$382/mo
Today · 4.125%
HK$14,814
baseline
▲ 0.50% · 4.625%
HK$15,595
+HK$781/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,628/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,161
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,632
−HK$479/mo
Today · 4.125%
HK$16,111
baseline
▲ 0.50% · 4.625%
HK$17,092
+HK$981/mo
Deposit HK$2.22M · loan HK$3.32M · min. income ≈ HK$32,222/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,866
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,318
−HK$459/mo
Today · 4.125%
HK$17,777
baseline
▲ 0.50% · 4.625%
HK$18,714
+HK$937/mo
Deposit HK$2.22M · loan HK$3.32M · min. income ≈ HK$35,554/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,687
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,238
−HK$559/mo
Today · 4.125%
HK$18,797
baseline
▲ 0.50% · 4.625%
HK$19,940
+HK$1,143/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,594/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,677
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,205
−HK$535/mo
Today · 4.125%
HK$20,740
baseline
▲ 0.50% · 4.625%
HK$21,833
+HK$1,093/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,480/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,741
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,448
−HK$719/mo
Today · 4.125%
HK$24,167
baseline
▲ 0.50% · 4.625%
HK$25,638
+HK$1,471/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$48,334/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,299
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,978
−HK$688/mo
Today · 4.125%
HK$26,666
baseline
▲ 0.50% · 4.625%
HK$28,072
+HK$1,406/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$53,332/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,663 · 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).