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$12,820
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,218
−HK$405/mo
Today · 4.125%
HK$13,623
baseline
▲ 0.50% · 4.625%
HK$14,452
+HK$829/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,246/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,262
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,644
−HK$388/mo
Today · 4.125%
HK$15,032
baseline
▲ 0.50% · 4.625%
HK$15,824
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,064/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,383
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,862
−HK$486/mo
Today · 4.125%
HK$16,348
baseline
▲ 0.50% · 4.625%
HK$17,343
+HK$995/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,696/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,114
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,573
−HK$466/mo
Today · 4.125%
HK$18,039
baseline
▲ 0.50% · 4.625%
HK$18,989
+HK$950/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,078/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,947
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,506
−HK$567/mo
Today · 4.125%
HK$19,073
baseline
▲ 0.50% · 4.625%
HK$20,233
+HK$1,160/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,146/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,966
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,502
−HK$543/mo
Today · 4.125%
HK$21,045
baseline
▲ 0.50% · 4.625%
HK$22,154
+HK$1,109/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,090/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,075
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,793
−HK$729/mo
Today · 4.125%
HK$24,522
baseline
▲ 0.50% · 4.625%
HK$26,014
+HK$1,492/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,044/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,671
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,359
−HK$699/mo
Today · 4.125%
HK$27,058
baseline
▲ 0.50% · 4.625%
HK$28,484
+HK$1,426/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,116/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,495 · 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).