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$12,616
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,009
−HK$398/mo
Today · 4.125%
HK$13,407
baseline
▲ 0.50% · 4.625%
HK$14,223
+HK$816/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,814/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,035
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,412
−HK$382/mo
Today · 4.125%
HK$14,794
baseline
▲ 0.50% · 4.625%
HK$15,573
+HK$779/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,588/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,139
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,610
−HK$479/mo
Today · 4.125%
HK$16,089
baseline
▲ 0.50% · 4.625%
HK$17,068
+HK$979/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,178/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,842
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,294
−HK$458/mo
Today · 4.125%
HK$17,752
baseline
▲ 0.50% · 4.625%
HK$18,688
+HK$936/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,504/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,663
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,212
−HK$558/mo
Today · 4.125%
HK$18,770
baseline
▲ 0.50% · 4.625%
HK$19,912
+HK$1,142/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,540/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,649
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,176
−HK$535/mo
Today · 4.125%
HK$20,711
baseline
▲ 0.50% · 4.625%
HK$21,803
+HK$1,092/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,422/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,709
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,415
−HK$718/mo
Today · 4.125%
HK$24,133
baseline
▲ 0.50% · 4.625%
HK$25,602
+HK$1,469/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,266/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,264
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,941
−HK$688/mo
Today · 4.125%
HK$26,629
baseline
▲ 0.50% · 4.625%
HK$28,032
+HK$1,403/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,258/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,488 · 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).