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$12,880
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,280
−HK$407/mo
Today · 4.125%
HK$13,687
baseline
▲ 0.50% · 4.625%
HK$14,520
+HK$833/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,374/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,329
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,713
−HK$390/mo
Today · 4.125%
HK$15,103
baseline
▲ 0.50% · 4.625%
HK$15,899
+HK$796/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,206/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,456
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,936
−HK$489/mo
Today · 4.125%
HK$16,425
baseline
▲ 0.50% · 4.625%
HK$17,424
+HK$999/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,850/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,194
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,655
−HK$468/mo
Today · 4.125%
HK$18,123
baseline
▲ 0.50% · 4.625%
HK$19,078
+HK$955/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,246/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,032
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,592
−HK$570/mo
Today · 4.125%
HK$19,162
baseline
▲ 0.50% · 4.625%
HK$20,328
+HK$1,166/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,324/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,060
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,598
−HK$546/mo
Today · 4.125%
HK$21,144
baseline
▲ 0.50% · 4.625%
HK$22,258
+HK$1,114/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,288/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,183
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,905
−HK$732/mo
Today · 4.125%
HK$24,637
baseline
▲ 0.50% · 4.625%
HK$26,136
+HK$1,499/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$49,274/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,791
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,483
−HK$702/mo
Today · 4.125%
HK$27,185
baseline
▲ 0.50% · 4.625%
HK$28,618
+HK$1,433/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$54,370/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,088 · 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).