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$12,864
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,264
−HK$406/mo
Today · 4.125%
HK$13,670
baseline
▲ 0.50% · 4.625%
HK$14,502
+HK$832/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,340/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,311
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,695
−HK$389/mo
Today · 4.125%
HK$15,084
baseline
▲ 0.50% · 4.625%
HK$15,879
+HK$795/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,168/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,436
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,917
−HK$487/mo
Today · 4.125%
HK$16,404
baseline
▲ 0.50% · 4.625%
HK$17,403
+HK$999/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$32,808/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,173
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,634
−HK$467/mo
Today · 4.125%
HK$18,101
baseline
▲ 0.50% · 4.625%
HK$19,055
+HK$954/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$36,202/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,009
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,569
−HK$570/mo
Today · 4.125%
HK$19,139
baseline
▲ 0.50% · 4.625%
HK$20,303
+HK$1,164/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,278/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,035
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,572
−HK$546/mo
Today · 4.125%
HK$21,118
baseline
▲ 0.50% · 4.625%
HK$22,231
+HK$1,113/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,236/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,155
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,875
−HK$732/mo
Today · 4.125%
HK$24,607
baseline
▲ 0.50% · 4.625%
HK$26,104
+HK$1,497/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$49,214/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,759
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,450
−HK$701/mo
Today · 4.125%
HK$27,151
baseline
▲ 0.50% · 4.625%
HK$28,582
+HK$1,431/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$54,302/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,931 · 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).