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$12,772
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,169
−HK$403/mo
Today · 4.125%
HK$13,572
baseline
▲ 0.50% · 4.625%
HK$14,398
+HK$826/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,144/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,208
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,589
−HK$387/mo
Today · 4.125%
HK$14,976
baseline
▲ 0.50% · 4.625%
HK$15,765
+HK$789/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,952/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,326
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,803
−HK$484/mo
Today · 4.125%
HK$16,287
baseline
▲ 0.50% · 4.625%
HK$17,278
+HK$991/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,574/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,050
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,507
−HK$464/mo
Today · 4.125%
HK$17,971
baseline
▲ 0.50% · 4.625%
HK$18,918
+HK$947/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,942/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,880
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,436
−HK$565/mo
Today · 4.125%
HK$19,001
baseline
▲ 0.50% · 4.625%
HK$20,158
+HK$1,157/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$38,002/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,892
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,425
−HK$541/mo
Today · 4.125%
HK$20,966
baseline
▲ 0.50% · 4.625%
HK$22,071
+HK$1,105/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,932/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,989
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,704
−HK$726/mo
Today · 4.125%
HK$24,430
baseline
▲ 0.50% · 4.625%
HK$25,917
+HK$1,487/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,860/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,575
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,261
−HK$696/mo
Today · 4.125%
HK$26,957
baseline
▲ 0.50% · 4.625%
HK$28,377
+HK$1,420/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,914/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,022 · 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).