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$12,785
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,183
−HK$404/mo
Today · 4.125%
HK$13,587
baseline
▲ 0.50% · 4.625%
HK$14,413
+HK$826/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,174/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,223
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,604
−HK$387/mo
Today · 4.125%
HK$14,991
baseline
▲ 0.50% · 4.625%
HK$15,782
+HK$791/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,982/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,342
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,819
−HK$485/mo
Today · 4.125%
HK$16,304
baseline
▲ 0.50% · 4.625%
HK$17,296
+HK$992/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,608/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,068
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,525
−HK$465/mo
Today · 4.125%
HK$17,990
baseline
▲ 0.50% · 4.625%
HK$18,938
+HK$948/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,980/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,899
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,456
−HK$565/mo
Today · 4.125%
HK$19,021
baseline
▲ 0.50% · 4.625%
HK$20,179
+HK$1,158/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$38,042/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,912
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,446
−HK$542/mo
Today · 4.125%
HK$20,988
baseline
▲ 0.50% · 4.625%
HK$22,094
+HK$1,106/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,976/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,013
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,729
−HK$727/mo
Today · 4.125%
HK$24,456
baseline
▲ 0.50% · 4.625%
HK$25,944
+HK$1,488/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,912/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,601
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,288
−HK$697/mo
Today · 4.125%
HK$26,985
baseline
▲ 0.50% · 4.625%
HK$28,407
+HK$1,422/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$53,970/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,153 · 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).