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$12,802
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,200
−HK$404/mo
Today · 4.125%
HK$13,604
baseline
▲ 0.50% · 4.625%
HK$14,432
+HK$828/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,208/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,242
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,624
−HK$387/mo
Today · 4.125%
HK$15,011
baseline
▲ 0.50% · 4.625%
HK$15,802
+HK$791/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,022/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,362
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,840
−HK$485/mo
Today · 4.125%
HK$16,325
baseline
▲ 0.50% · 4.625%
HK$17,319
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,650/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,090
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,548
−HK$465/mo
Today · 4.125%
HK$18,013
baseline
▲ 0.50% · 4.625%
HK$18,963
+HK$950/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,026/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,922
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,480
−HK$566/mo
Today · 4.125%
HK$19,046
baseline
▲ 0.50% · 4.625%
HK$20,205
+HK$1,159/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,092/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,938
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,473
−HK$543/mo
Today · 4.125%
HK$21,016
baseline
▲ 0.50% · 4.625%
HK$22,123
+HK$1,107/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$42,032/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,043
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,760
−HK$728/mo
Today · 4.125%
HK$24,488
baseline
▲ 0.50% · 4.625%
HK$25,978
+HK$1,490/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,976/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,635
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,323
−HK$697/mo
Today · 4.125%
HK$27,020
baseline
▲ 0.50% · 4.625%
HK$28,444
+HK$1,424/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$54,040/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,318 · 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).