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$12,778
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,176
−HK$403/mo
Today · 4.125%
HK$13,579
baseline
▲ 0.50% · 4.625%
HK$14,406
+HK$827/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,158/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,216
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,597
−HK$387/mo
Today · 4.125%
HK$14,984
baseline
▲ 0.50% · 4.625%
HK$15,773
+HK$789/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,968/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,334
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,811
−HK$484/mo
Today · 4.125%
HK$16,295
baseline
▲ 0.50% · 4.625%
HK$17,287
+HK$992/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,590/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,059
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,516
−HK$464/mo
Today · 4.125%
HK$17,980
baseline
▲ 0.50% · 4.625%
HK$18,928
+HK$948/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,960/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,889
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,446
−HK$565/mo
Today · 4.125%
HK$19,011
baseline
▲ 0.50% · 4.625%
HK$20,168
+HK$1,157/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$38,022/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,902
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,436
−HK$541/mo
Today · 4.125%
HK$20,977
baseline
▲ 0.50% · 4.625%
HK$22,083
+HK$1,106/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,954/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,001
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,716
−HK$727/mo
Today · 4.125%
HK$24,443
baseline
▲ 0.50% · 4.625%
HK$25,930
+HK$1,487/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,886/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,588
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,274
−HK$697/mo
Today · 4.125%
HK$26,971
baseline
▲ 0.50% · 4.625%
HK$28,392
+HK$1,421/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,942/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,087 · 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).