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$12,769
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,166
−HK$403/mo
Today · 4.125%
HK$13,569
baseline
▲ 0.50% · 4.625%
HK$14,395
+HK$826/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,138/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$125,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,205
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,586
−HK$386/mo
Today · 4.125%
HK$14,972
baseline
▲ 0.50% · 4.625%
HK$15,762
+HK$790/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,944/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$125,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,322
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,799
−HK$484/mo
Today · 4.125%
HK$16,283
baseline
▲ 0.50% · 4.625%
HK$17,274
+HK$991/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,566/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$125,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,046
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,503
−HK$464/mo
Today · 4.125%
HK$17,967
baseline
▲ 0.50% · 4.625%
HK$18,914
+HK$947/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,934/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$125,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,876
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,432
−HK$565/mo
Today · 4.125%
HK$18,997
baseline
▲ 0.50% · 4.625%
HK$20,153
+HK$1,156/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$37,994/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$125,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,887
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,420
−HK$541/mo
Today · 4.125%
HK$20,961
baseline
▲ 0.50% · 4.625%
HK$22,066
+HK$1,105/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,922/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$125,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,984
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,699
−HK$726/mo
Today · 4.125%
HK$24,425
baseline
▲ 0.50% · 4.625%
HK$25,911
+HK$1,486/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,850/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$125,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,569
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,255
−HK$695/mo
Today · 4.125%
HK$26,950
baseline
▲ 0.50% · 4.625%
HK$28,371
+HK$1,421/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,900/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$125,993 · 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).