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$12,848
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,247
−HK$406/mo
Today · 4.125%
HK$13,653
baseline
▲ 0.50% · 4.625%
HK$14,484
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,306/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,293
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,676
−HK$389/mo
Today · 4.125%
HK$15,065
baseline
▲ 0.50% · 4.625%
HK$15,859
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,130/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,417
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,897
−HK$487/mo
Today · 4.125%
HK$16,384
baseline
▲ 0.50% · 4.625%
HK$17,381
+HK$997/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,768/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,151
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,611
−HK$467/mo
Today · 4.125%
HK$18,078
baseline
▲ 0.50% · 4.625%
HK$19,031
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,156/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,987
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,546
−HK$568/mo
Today · 4.125%
HK$19,114
baseline
▲ 0.50% · 4.625%
HK$20,278
+HK$1,164/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,228/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,010
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,546
−HK$545/mo
Today · 4.125%
HK$21,091
baseline
▲ 0.50% · 4.625%
HK$22,203
+HK$1,112/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,182/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,126
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,845
−HK$731/mo
Today · 4.125%
HK$24,576
baseline
▲ 0.50% · 4.625%
HK$26,071
+HK$1,495/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,152/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,727
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,417
−HK$700/mo
Today · 4.125%
HK$27,117
baseline
▲ 0.50% · 4.625%
HK$28,546
+HK$1,429/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,234/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,771 · 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).