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$12,832
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,231
−HK$406/mo
Today · 4.125%
HK$13,637
baseline
▲ 0.50% · 4.625%
HK$14,467
+HK$830/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,274/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,276
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,658
−HK$389/mo
Today · 4.125%
HK$15,047
baseline
▲ 0.50% · 4.625%
HK$15,840
+HK$793/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,094/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,399
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,878
−HK$486/mo
Today · 4.125%
HK$16,364
baseline
▲ 0.50% · 4.625%
HK$17,360
+HK$996/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,728/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,131
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,590
−HK$466/mo
Today · 4.125%
HK$18,056
baseline
▲ 0.50% · 4.625%
HK$19,008
+HK$952/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,112/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,965
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,524
−HK$568/mo
Today · 4.125%
HK$19,092
baseline
▲ 0.50% · 4.625%
HK$20,253
+HK$1,161/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,184/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,986
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,522
−HK$544/mo
Today · 4.125%
HK$21,066
baseline
▲ 0.50% · 4.625%
HK$22,176
+HK$1,110/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,132/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,098
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,816
−HK$730/mo
Today · 4.125%
HK$24,546
baseline
▲ 0.50% · 4.625%
HK$26,040
+HK$1,494/mo
Deposit HK$563K · loan HK$5.06M · min. income ≈ HK$49,092/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,696
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,385
−HK$699/mo
Today · 4.125%
HK$27,084
baseline
▲ 0.50% · 4.625%
HK$28,512
+HK$1,428/mo
Deposit HK$563K · loan HK$5.06M · min. income ≈ HK$54,168/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,619 · 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).