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$12,750
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,147
−HK$403/mo
Today · 4.125%
HK$13,550
baseline
▲ 0.50% · 4.625%
HK$14,374
+HK$824/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,100/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,185
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,565
−HK$386/mo
Today · 4.125%
HK$14,951
baseline
▲ 0.50% · 4.625%
HK$15,739
+HK$788/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,902/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,300
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,776
−HK$484/mo
Today · 4.125%
HK$16,260
baseline
▲ 0.50% · 4.625%
HK$17,249
+HK$989/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$32,520/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,022
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,478
−HK$463/mo
Today · 4.125%
HK$17,941
baseline
▲ 0.50% · 4.625%
HK$18,887
+HK$946/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$35,882/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,851
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,406
−HK$564/mo
Today · 4.125%
HK$18,970
baseline
▲ 0.50% · 4.625%
HK$20,124
+HK$1,154/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,940/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,859
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,391
−HK$540/mo
Today · 4.125%
HK$20,931
baseline
▲ 0.50% · 4.625%
HK$22,035
+HK$1,104/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,862/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,951
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,665
−HK$725/mo
Today · 4.125%
HK$24,390
baseline
▲ 0.50% · 4.625%
HK$25,874
+HK$1,484/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,780/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,532
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,217
−HK$695/mo
Today · 4.125%
HK$26,912
baseline
▲ 0.50% · 4.625%
HK$28,330
+HK$1,418/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,824/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,812 · 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).