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$12,877
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,277
−HK$407/mo
Today · 4.125%
HK$13,684
baseline
▲ 0.50% · 4.625%
HK$14,517
+HK$833/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,368/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,325
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,710
−HK$389/mo
Today · 4.125%
HK$15,099
baseline
▲ 0.50% · 4.625%
HK$15,895
+HK$796/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,198/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,452
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,933
−HK$488/mo
Today · 4.125%
HK$16,421
baseline
▲ 0.50% · 4.625%
HK$17,420
+HK$999/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,842/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,190
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,652
−HK$467/mo
Today · 4.125%
HK$18,119
baseline
▲ 0.50% · 4.625%
HK$19,074
+HK$955/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,238/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,028
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,588
−HK$570/mo
Today · 4.125%
HK$19,158
baseline
▲ 0.50% · 4.625%
HK$20,324
+HK$1,166/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,316/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,056
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,593
−HK$546/mo
Today · 4.125%
HK$21,139
baseline
▲ 0.50% · 4.625%
HK$22,253
+HK$1,114/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,278/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,178
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,899
−HK$733/mo
Today · 4.125%
HK$24,632
baseline
▲ 0.50% · 4.625%
HK$26,131
+HK$1,499/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$49,264/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,786
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,477
−HK$702/mo
Today · 4.125%
HK$27,179
baseline
▲ 0.50% · 4.625%
HK$28,611
+HK$1,432/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$54,358/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,061 · 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).