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$12,855
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,254
−HK$407/mo
Today · 4.125%
HK$13,661
baseline
▲ 0.50% · 4.625%
HK$14,492
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,322/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,301
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,684
−HK$389/mo
Today · 4.125%
HK$15,073
baseline
▲ 0.50% · 4.625%
HK$15,868
+HK$795/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,146/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,425
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,905
−HK$488/mo
Today · 4.125%
HK$16,393
baseline
▲ 0.50% · 4.625%
HK$17,390
+HK$997/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,786/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,161
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,621
−HK$467/mo
Today · 4.125%
HK$18,088
baseline
▲ 0.50% · 4.625%
HK$19,041
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,176/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,996
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,556
−HK$569/mo
Today · 4.125%
HK$19,125
baseline
▲ 0.50% · 4.625%
HK$20,289
+HK$1,164/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,250/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,021
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,558
−HK$544/mo
Today · 4.125%
HK$21,102
baseline
▲ 0.50% · 4.625%
HK$22,215
+HK$1,113/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,204/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,138
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,858
−HK$731/mo
Today · 4.125%
HK$24,589
baseline
▲ 0.50% · 4.625%
HK$26,085
+HK$1,496/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$49,178/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,741
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,431
−HK$701/mo
Today · 4.125%
HK$27,132
baseline
▲ 0.50% · 4.625%
HK$28,562
+HK$1,430/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$54,264/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,840 · 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).