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$12,883
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,284
−HK$407/mo
Today · 4.125%
HK$13,691
baseline
▲ 0.50% · 4.625%
HK$14,524
+HK$833/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,382/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,333
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,717
−HK$390/mo
Today · 4.125%
HK$15,107
baseline
▲ 0.50% · 4.625%
HK$15,903
+HK$796/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,214/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,460
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,941
−HK$489/mo
Today · 4.125%
HK$16,430
baseline
▲ 0.50% · 4.625%
HK$17,429
+HK$999/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,860/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,199
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,660
−HK$468/mo
Today · 4.125%
HK$18,128
baseline
▲ 0.50% · 4.625%
HK$19,084
+HK$956/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,256/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,037
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,598
−HK$570/mo
Today · 4.125%
HK$19,168
baseline
▲ 0.50% · 4.625%
HK$20,334
+HK$1,166/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,336/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,066
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,604
−HK$546/mo
Today · 4.125%
HK$21,150
baseline
▲ 0.50% · 4.625%
HK$22,265
+HK$1,115/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,300/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,190
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,911
−HK$733/mo
Today · 4.125%
HK$24,644
baseline
▲ 0.50% · 4.625%
HK$26,144
+HK$1,500/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$49,288/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,799
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,491
−HK$702/mo
Today · 4.125%
HK$27,193
baseline
▲ 0.50% · 4.625%
HK$28,626
+HK$1,433/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$54,386/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,125 · 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).