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$12,817
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,216
−HK$405/mo
Today · 4.125%
HK$13,621
baseline
▲ 0.50% · 4.625%
HK$14,450
+HK$829/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,242/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,259
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,642
−HK$388/mo
Today · 4.125%
HK$15,030
baseline
▲ 0.50% · 4.625%
HK$15,822
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,060/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,381
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,859
−HK$486/mo
Today · 4.125%
HK$16,345
baseline
▲ 0.50% · 4.625%
HK$17,340
+HK$995/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,690/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,111
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,570
−HK$466/mo
Today · 4.125%
HK$18,036
baseline
▲ 0.50% · 4.625%
HK$18,986
+HK$950/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,072/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,944
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,503
−HK$567/mo
Today · 4.125%
HK$19,070
baseline
▲ 0.50% · 4.625%
HK$20,230
+HK$1,160/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$38,140/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,963
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,498
−HK$543/mo
Today · 4.125%
HK$21,041
baseline
▲ 0.50% · 4.625%
HK$22,151
+HK$1,110/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$42,082/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,071
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,789
−HK$729/mo
Today · 4.125%
HK$24,518
baseline
▲ 0.50% · 4.625%
HK$26,010
+HK$1,492/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,036/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,667
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,355
−HK$698/mo
Today · 4.125%
HK$27,053
baseline
▲ 0.50% · 4.625%
HK$28,479
+HK$1,426/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,106/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,474 · 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).