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$12,800
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,198
−HK$405/mo
Today · 4.125%
HK$13,603
baseline
▲ 0.50% · 4.625%
HK$14,431
+HK$828/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,206/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,240
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,622
−HK$387/mo
Today · 4.125%
HK$15,009
baseline
▲ 0.50% · 4.625%
HK$15,801
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,018/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,360
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,838
−HK$485/mo
Today · 4.125%
HK$16,323
baseline
▲ 0.50% · 4.625%
HK$17,317
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,646/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,088
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,546
−HK$465/mo
Today · 4.125%
HK$18,011
baseline
▲ 0.50% · 4.625%
HK$18,961
+HK$950/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,022/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,920
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,478
−HK$566/mo
Today · 4.125%
HK$19,044
baseline
▲ 0.50% · 4.625%
HK$20,203
+HK$1,159/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,088/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,936
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,471
−HK$542/mo
Today · 4.125%
HK$21,013
baseline
▲ 0.50% · 4.625%
HK$22,121
+HK$1,108/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$42,026/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,040
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,757
−HK$728/mo
Today · 4.125%
HK$24,485
baseline
▲ 0.50% · 4.625%
HK$25,975
+HK$1,490/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,970/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,632
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,319
−HK$698/mo
Today · 4.125%
HK$27,017
baseline
▲ 0.50% · 4.625%
HK$28,441
+HK$1,424/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$54,034/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,303 · 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).