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$12,820
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,219
−HK$405/mo
Today · 4.125%
HK$13,624
baseline
▲ 0.50% · 4.625%
HK$14,453
+HK$829/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,248/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,262
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,645
−HK$388/mo
Today · 4.125%
HK$15,033
baseline
▲ 0.50% · 4.625%
HK$15,825
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,066/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,384
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,862
−HK$487/mo
Today · 4.125%
HK$16,349
baseline
▲ 0.50% · 4.625%
HK$17,343
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,698/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,114
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,573
−HK$466/mo
Today · 4.125%
HK$18,039
baseline
▲ 0.50% · 4.625%
HK$18,990
+HK$951/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,078/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,948
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,506
−HK$567/mo
Today · 4.125%
HK$19,073
baseline
▲ 0.50% · 4.625%
HK$20,234
+HK$1,161/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,146/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,967
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,502
−HK$544/mo
Today · 4.125%
HK$21,046
baseline
▲ 0.50% · 4.625%
HK$22,155
+HK$1,109/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,092/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,076
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,794
−HK$729/mo
Today · 4.125%
HK$24,523
baseline
▲ 0.50% · 4.625%
HK$26,015
+HK$1,492/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,046/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,672
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,360
−HK$699/mo
Today · 4.125%
HK$27,059
baseline
▲ 0.50% · 4.625%
HK$28,485
+HK$1,426/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,118/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,499 · 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).