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$12,775
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,172
−HK$404/mo
Today · 4.125%
HK$13,576
baseline
▲ 0.50% · 4.625%
HK$14,402
+HK$826/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,152/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,212
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,593
−HK$386/mo
Today · 4.125%
HK$14,979
baseline
▲ 0.50% · 4.625%
HK$15,769
+HK$790/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,958/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,330
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,806
−HK$485/mo
Today · 4.125%
HK$16,291
baseline
▲ 0.50% · 4.625%
HK$17,282
+HK$991/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,582/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,054
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,511
−HK$464/mo
Today · 4.125%
HK$17,975
baseline
▲ 0.50% · 4.625%
HK$18,923
+HK$948/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,950/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,884
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,441
−HK$565/mo
Today · 4.125%
HK$19,006
baseline
▲ 0.50% · 4.625%
HK$20,162
+HK$1,156/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$38,012/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,896
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,430
−HK$541/mo
Today · 4.125%
HK$20,971
baseline
▲ 0.50% · 4.625%
HK$22,077
+HK$1,106/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,942/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,994
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,710
−HK$726/mo
Today · 4.125%
HK$24,436
baseline
▲ 0.50% · 4.625%
HK$25,923
+HK$1,487/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,872/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,581
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,267
−HK$696/mo
Today · 4.125%
HK$26,963
baseline
▲ 0.50% · 4.625%
HK$28,384
+HK$1,421/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,926/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,051 · 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).