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$12,855
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,255
−HK$407/mo
Today · 4.125%
HK$13,662
baseline
▲ 0.50% · 4.625%
HK$14,493
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,324/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,302
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,685
−HK$389/mo
Today · 4.125%
HK$15,074
baseline
▲ 0.50% · 4.625%
HK$15,869
+HK$795/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,148/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,427
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,906
−HK$488/mo
Today · 4.125%
HK$16,394
baseline
▲ 0.50% · 4.625%
HK$17,391
+HK$997/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$32,788/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,162
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,622
−HK$467/mo
Today · 4.125%
HK$18,089
baseline
▲ 0.50% · 4.625%
HK$19,043
+HK$954/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$36,178/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,998
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,557
−HK$569/mo
Today · 4.125%
HK$19,126
baseline
▲ 0.50% · 4.625%
HK$20,290
+HK$1,164/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,252/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,022
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,559
−HK$545/mo
Today · 4.125%
HK$21,104
baseline
▲ 0.50% · 4.625%
HK$22,216
+HK$1,112/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,208/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,140
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,860
−HK$731/mo
Today · 4.125%
HK$24,591
baseline
▲ 0.50% · 4.625%
HK$26,087
+HK$1,496/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$49,182/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,743
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,433
−HK$701/mo
Today · 4.125%
HK$27,134
baseline
▲ 0.50% · 4.625%
HK$28,564
+HK$1,430/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$54,268/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,849 · 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).