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$12,755
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,151
−HK$404/mo
Today · 4.125%
HK$13,555
baseline
▲ 0.50% · 4.625%
HK$14,379
+HK$824/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,110/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,190
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,570
−HK$386/mo
Today · 4.125%
HK$14,956
baseline
▲ 0.50% · 4.625%
HK$15,744
+HK$788/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,912/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,306
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,782
−HK$483/mo
Today · 4.125%
HK$16,265
baseline
▲ 0.50% · 4.625%
HK$17,255
+HK$990/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,530/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,027
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,484
−HK$463/mo
Today · 4.125%
HK$17,947
baseline
▲ 0.50% · 4.625%
HK$18,893
+HK$946/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,894/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,857
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,412
−HK$564/mo
Today · 4.125%
HK$18,976
baseline
▲ 0.50% · 4.625%
HK$20,131
+HK$1,155/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$37,952/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,865
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,398
−HK$541/mo
Today · 4.125%
HK$20,939
baseline
▲ 0.50% · 4.625%
HK$22,042
+HK$1,103/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,878/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,959
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,673
−HK$725/mo
Today · 4.125%
HK$24,398
baseline
▲ 0.50% · 4.625%
HK$25,883
+HK$1,485/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,796/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,541
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,226
−HK$695/mo
Today · 4.125%
HK$26,921
baseline
▲ 0.50% · 4.625%
HK$28,340
+HK$1,419/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,842/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,855 · 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).