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$12,845
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,244
−HK$406/mo
Today · 4.125%
HK$13,650
baseline
▲ 0.50% · 4.625%
HK$14,481
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,300/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,290
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,673
−HK$389/mo
Today · 4.125%
HK$15,062
baseline
▲ 0.50% · 4.625%
HK$15,856
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,124/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,414
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,893
−HK$487/mo
Today · 4.125%
HK$16,380
baseline
▲ 0.50% · 4.625%
HK$17,377
+HK$997/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,760/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,148
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,607
−HK$467/mo
Today · 4.125%
HK$18,074
baseline
▲ 0.50% · 4.625%
HK$19,027
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,148/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,983
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,542
−HK$568/mo
Today · 4.125%
HK$19,110
baseline
▲ 0.50% · 4.625%
HK$20,273
+HK$1,163/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,220/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,006
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,542
−HK$544/mo
Today · 4.125%
HK$21,086
baseline
▲ 0.50% · 4.625%
HK$22,198
+HK$1,112/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,172/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,121
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,840
−HK$730/mo
Today · 4.125%
HK$24,570
baseline
▲ 0.50% · 4.625%
HK$26,065
+HK$1,495/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,140/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,721
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,411
−HK$700/mo
Today · 4.125%
HK$27,111
baseline
▲ 0.50% · 4.625%
HK$28,540
+HK$1,429/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,222/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,744 · 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).