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$12,858
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,258
−HK$406/mo
Today · 4.125%
HK$13,664
baseline
▲ 0.50% · 4.625%
HK$14,496
+HK$832/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,328/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,305
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,688
−HK$389/mo
Today · 4.125%
HK$15,077
baseline
▲ 0.50% · 4.625%
HK$15,872
+HK$795/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,154/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,430
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,910
−HK$487/mo
Today · 4.125%
HK$16,397
baseline
▲ 0.50% · 4.625%
HK$17,395
+HK$998/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$32,794/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,165
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,626
−HK$467/mo
Today · 4.125%
HK$18,093
baseline
▲ 0.50% · 4.625%
HK$19,047
+HK$954/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$36,186/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,001
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,561
−HK$569/mo
Today · 4.125%
HK$19,130
baseline
▲ 0.50% · 4.625%
HK$20,294
+HK$1,164/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,260/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,026
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,563
−HK$545/mo
Today · 4.125%
HK$21,108
baseline
▲ 0.50% · 4.625%
HK$22,221
+HK$1,113/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,216/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,145
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,865
−HK$731/mo
Today · 4.125%
HK$24,596
baseline
▲ 0.50% · 4.625%
HK$26,093
+HK$1,497/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$49,192/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,748
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,439
−HK$700/mo
Today · 4.125%
HK$27,139
baseline
▲ 0.50% · 4.625%
HK$28,570
+HK$1,431/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$54,278/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,875 · 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).