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$12,869
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,270
−HK$406/mo
Today · 4.125%
HK$13,676
baseline
▲ 0.50% · 4.625%
HK$14,508
+HK$832/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,352/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,317
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,701
−HK$389/mo
Today · 4.125%
HK$15,090
baseline
▲ 0.50% · 4.625%
HK$15,886
+HK$796/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,180/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,443
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,923
−HK$488/mo
Today · 4.125%
HK$16,411
baseline
▲ 0.50% · 4.625%
HK$17,410
+HK$999/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,822/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,180
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,641
−HK$467/mo
Today · 4.125%
HK$18,108
baseline
▲ 0.50% · 4.625%
HK$19,063
+HK$955/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,216/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,017
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,577
−HK$570/mo
Today · 4.125%
HK$19,147
baseline
▲ 0.50% · 4.625%
HK$20,312
+HK$1,165/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,294/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,044
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,581
−HK$546/mo
Today · 4.125%
HK$21,127
baseline
▲ 0.50% · 4.625%
HK$22,240
+HK$1,113/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,254/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,165
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,885
−HK$732/mo
Today · 4.125%
HK$24,617
baseline
▲ 0.50% · 4.625%
HK$26,115
+HK$1,498/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$49,234/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,770
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,462
−HK$701/mo
Today · 4.125%
HK$27,163
baseline
▲ 0.50% · 4.625%
HK$28,594
+HK$1,431/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$54,326/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,985 · 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).