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$12,776
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,173
−HK$404/mo
Today · 4.125%
HK$13,577
baseline
▲ 0.50% · 4.625%
HK$14,403
+HK$826/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,154/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,213
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,594
−HK$387/mo
Today · 4.125%
HK$14,981
baseline
▲ 0.50% · 4.625%
HK$15,770
+HK$789/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,962/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,331
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,808
−HK$484/mo
Today · 4.125%
HK$16,292
baseline
▲ 0.50% · 4.625%
HK$17,283
+HK$991/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,584/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,055
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,513
−HK$464/mo
Today · 4.125%
HK$17,977
baseline
▲ 0.50% · 4.625%
HK$18,924
+HK$947/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,954/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,886
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,442
−HK$565/mo
Today · 4.125%
HK$19,007
baseline
▲ 0.50% · 4.625%
HK$20,164
+HK$1,157/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$38,014/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,898
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,431
−HK$542/mo
Today · 4.125%
HK$20,973
baseline
▲ 0.50% · 4.625%
HK$22,078
+HK$1,105/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,946/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,996
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,711
−HK$727/mo
Today · 4.125%
HK$24,438
baseline
▲ 0.50% · 4.625%
HK$25,925
+HK$1,487/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,876/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,583
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,269
−HK$696/mo
Today · 4.125%
HK$26,965
baseline
▲ 0.50% · 4.625%
HK$28,386
+HK$1,421/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,930/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,061 · 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).