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$12,813
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,212
−HK$405/mo
Today · 4.125%
HK$13,617
baseline
▲ 0.50% · 4.625%
HK$14,445
+HK$828/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,234/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,254
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,637
−HK$388/mo
Today · 4.125%
HK$15,025
baseline
▲ 0.50% · 4.625%
HK$15,817
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,050/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,376
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,854
−HK$486/mo
Today · 4.125%
HK$16,340
baseline
▲ 0.50% · 4.625%
HK$17,334
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,680/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,105
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,564
−HK$465/mo
Today · 4.125%
HK$18,029
baseline
▲ 0.50% · 4.625%
HK$18,980
+HK$951/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,058/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,938
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,496
−HK$567/mo
Today · 4.125%
HK$19,063
baseline
▲ 0.50% · 4.625%
HK$20,223
+HK$1,160/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$38,126/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,956
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,491
−HK$543/mo
Today · 4.125%
HK$21,034
baseline
▲ 0.50% · 4.625%
HK$22,143
+HK$1,109/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$42,068/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,064
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,781
−HK$729/mo
Today · 4.125%
HK$24,510
baseline
▲ 0.50% · 4.625%
HK$26,001
+HK$1,491/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,020/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,658
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,346
−HK$698/mo
Today · 4.125%
HK$27,044
baseline
▲ 0.50% · 4.625%
HK$28,470
+HK$1,426/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,088/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,431 · 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).