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$12,860
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,260
−HK$407/mo
Today · 4.125%
HK$13,667
baseline
▲ 0.50% · 4.625%
HK$14,499
+HK$832/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,334/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,307
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,691
−HK$389/mo
Today · 4.125%
HK$15,080
baseline
▲ 0.50% · 4.625%
HK$15,875
+HK$795/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,160/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,433
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,913
−HK$487/mo
Today · 4.125%
HK$16,400
baseline
▲ 0.50% · 4.625%
HK$17,398
+HK$998/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$32,800/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,169
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,629
−HK$467/mo
Today · 4.125%
HK$18,096
baseline
▲ 0.50% · 4.625%
HK$19,050
+HK$954/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$36,192/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,005
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,565
−HK$569/mo
Today · 4.125%
HK$19,134
baseline
▲ 0.50% · 4.625%
HK$20,298
+HK$1,164/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,268/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,030
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,567
−HK$545/mo
Today · 4.125%
HK$21,112
baseline
▲ 0.50% · 4.625%
HK$22,225
+HK$1,113/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,224/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,149
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,869
−HK$731/mo
Today · 4.125%
HK$24,600
baseline
▲ 0.50% · 4.625%
HK$26,097
+HK$1,497/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$49,200/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,753
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,444
−HK$700/mo
Today · 4.125%
HK$27,144
baseline
▲ 0.50% · 4.625%
HK$28,575
+HK$1,431/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$54,288/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,899 · 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).