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$12,842
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,242
−HK$406/mo
Today · 4.125%
HK$13,648
baseline
▲ 0.50% · 4.625%
HK$14,478
+HK$830/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,296/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,287
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,670
−HK$389/mo
Today · 4.125%
HK$15,059
baseline
▲ 0.50% · 4.625%
HK$15,852
+HK$793/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,118/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,411
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,890
−HK$487/mo
Today · 4.125%
HK$16,377
baseline
▲ 0.50% · 4.625%
HK$17,374
+HK$997/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,754/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,144
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,604
−HK$466/mo
Today · 4.125%
HK$18,070
baseline
▲ 0.50% · 4.625%
HK$19,023
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,140/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,979
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,538
−HK$569/mo
Today · 4.125%
HK$19,107
baseline
▲ 0.50% · 4.625%
HK$20,269
+HK$1,162/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,214/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,002
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,538
−HK$544/mo
Today · 4.125%
HK$21,082
baseline
▲ 0.50% · 4.625%
HK$22,193
+HK$1,111/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,164/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,116
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,835
−HK$731/mo
Today · 4.125%
HK$24,566
baseline
▲ 0.50% · 4.625%
HK$26,060
+HK$1,494/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,132/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,716
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,406
−HK$700/mo
Today · 4.125%
HK$27,106
baseline
▲ 0.50% · 4.625%
HK$28,534
+HK$1,428/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,212/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,719 · 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).