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$12,794
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,192
−HK$405/mo
Today · 4.125%
HK$13,597
baseline
▲ 0.50% · 4.625%
HK$14,424
+HK$827/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,194/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,234
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,615
−HK$388/mo
Today · 4.125%
HK$15,003
baseline
▲ 0.50% · 4.625%
HK$15,793
+HK$790/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,006/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,353
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,831
−HK$485/mo
Today · 4.125%
HK$16,316
baseline
▲ 0.50% · 4.625%
HK$17,309
+HK$993/mo
Deposit HK$2.24M · loan HK$3.37M · min. income ≈ HK$32,632/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,080
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,538
−HK$465/mo
Today · 4.125%
HK$18,003
baseline
▲ 0.50% · 4.625%
HK$18,952
+HK$949/mo
Deposit HK$2.24M · loan HK$3.37M · min. income ≈ HK$36,006/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,912
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,469
−HK$566/mo
Today · 4.125%
HK$19,035
baseline
▲ 0.50% · 4.625%
HK$20,193
+HK$1,158/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,070/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,927
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,461
−HK$543/mo
Today · 4.125%
HK$21,004
baseline
▲ 0.50% · 4.625%
HK$22,111
+HK$1,107/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$42,008/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,030
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,746
−HK$728/mo
Today · 4.125%
HK$24,474
baseline
▲ 0.50% · 4.625%
HK$25,963
+HK$1,489/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,948/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,620
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,307
−HK$698/mo
Today · 4.125%
HK$27,005
baseline
▲ 0.50% · 4.625%
HK$28,428
+HK$1,423/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$54,010/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,246 · 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).