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$12,767
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,164
−HK$403/mo
Today · 4.125%
HK$13,567
baseline
▲ 0.50% · 4.625%
HK$14,393
+HK$826/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,134/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$125,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,203
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,584
−HK$386/mo
Today · 4.125%
HK$14,970
baseline
▲ 0.50% · 4.625%
HK$15,759
+HK$789/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,940/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$125,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,320
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,797
−HK$484/mo
Today · 4.125%
HK$16,281
baseline
▲ 0.50% · 4.625%
HK$17,272
+HK$991/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,562/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$125,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,044
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,501
−HK$463/mo
Today · 4.125%
HK$17,964
baseline
▲ 0.50% · 4.625%
HK$18,911
+HK$947/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,928/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$125,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,874
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,430
−HK$564/mo
Today · 4.125%
HK$18,994
baseline
▲ 0.50% · 4.625%
HK$20,150
+HK$1,156/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$37,988/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$125,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,884
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,417
−HK$541/mo
Today · 4.125%
HK$20,958
baseline
▲ 0.50% · 4.625%
HK$22,063
+HK$1,105/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,916/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$125,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,980
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,695
−HK$726/mo
Today · 4.125%
HK$24,421
baseline
▲ 0.50% · 4.625%
HK$25,907
+HK$1,486/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,842/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$125,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,565
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,251
−HK$696/mo
Today · 4.125%
HK$26,947
baseline
▲ 0.50% · 4.625%
HK$28,367
+HK$1,420/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,894/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$125,975 · 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).