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$12,789
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,187
−HK$404/mo
Today · 4.125%
HK$13,591
baseline
▲ 0.50% · 4.625%
HK$14,418
+HK$827/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,182/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,228
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,609
−HK$387/mo
Today · 4.125%
HK$14,996
baseline
▲ 0.50% · 4.625%
HK$15,787
+HK$791/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,992/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,347
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,824
−HK$485/mo
Today · 4.125%
HK$16,309
baseline
▲ 0.50% · 4.625%
HK$17,301
+HK$992/mo
Deposit HK$2.24M · loan HK$3.37M · min. income ≈ HK$32,618/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,073
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,531
−HK$464/mo
Today · 4.125%
HK$17,995
baseline
▲ 0.50% · 4.625%
HK$18,944
+HK$949/mo
Deposit HK$2.24M · loan HK$3.37M · min. income ≈ HK$35,990/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,905
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,461
−HK$566/mo
Today · 4.125%
HK$19,027
baseline
▲ 0.50% · 4.625%
HK$20,185
+HK$1,158/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,054/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,919
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,453
−HK$542/mo
Today · 4.125%
HK$20,995
baseline
▲ 0.50% · 4.625%
HK$22,101
+HK$1,106/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$41,990/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,020
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,736
−HK$728/mo
Today · 4.125%
HK$24,464
baseline
▲ 0.50% · 4.625%
HK$25,952
+HK$1,488/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,928/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,610
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,296
−HK$697/mo
Today · 4.125%
HK$26,993
baseline
▲ 0.50% · 4.625%
HK$28,416
+HK$1,423/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$53,986/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,193 · 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).