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$12,875
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,275
−HK$407/mo
Today · 4.125%
HK$13,682
baseline
▲ 0.50% · 4.625%
HK$14,514
+HK$832/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,364/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,323
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,707
−HK$390/mo
Today · 4.125%
HK$15,097
baseline
▲ 0.50% · 4.625%
HK$15,892
+HK$795/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,194/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,449
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,930
−HK$488/mo
Today · 4.125%
HK$16,418
baseline
▲ 0.50% · 4.625%
HK$17,417
+HK$999/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,836/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,187
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,648
−HK$468/mo
Today · 4.125%
HK$18,116
baseline
▲ 0.50% · 4.625%
HK$19,071
+HK$955/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,232/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,024
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,585
−HK$570/mo
Today · 4.125%
HK$19,155
baseline
▲ 0.50% · 4.625%
HK$20,320
+HK$1,165/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,310/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,052
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,590
−HK$545/mo
Today · 4.125%
HK$21,135
baseline
▲ 0.50% · 4.625%
HK$22,249
+HK$1,114/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,270/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,174
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,895
−HK$732/mo
Today · 4.125%
HK$24,627
baseline
▲ 0.50% · 4.625%
HK$26,126
+HK$1,499/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$49,254/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,781
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,473
−HK$701/mo
Today · 4.125%
HK$27,174
baseline
▲ 0.50% · 4.625%
HK$28,606
+HK$1,432/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$54,348/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,038 · 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).