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$12,797
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,195
−HK$404/mo
Today · 4.125%
HK$13,599
baseline
▲ 0.50% · 4.625%
HK$14,427
+HK$828/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,198/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,236
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,618
−HK$387/mo
Today · 4.125%
HK$15,005
baseline
▲ 0.50% · 4.625%
HK$15,796
+HK$791/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,010/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,356
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,834
−HK$485/mo
Today · 4.125%
HK$16,319
baseline
▲ 0.50% · 4.625%
HK$17,312
+HK$993/mo
Deposit HK$2.24M · loan HK$3.37M · min. income ≈ HK$32,638/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,083
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,541
−HK$465/mo
Today · 4.125%
HK$18,006
baseline
▲ 0.50% · 4.625%
HK$18,955
+HK$949/mo
Deposit HK$2.24M · loan HK$3.37M · min. income ≈ HK$36,012/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,915
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,472
−HK$567/mo
Today · 4.125%
HK$19,039
baseline
▲ 0.50% · 4.625%
HK$20,197
+HK$1,158/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,078/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,930
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,465
−HK$542/mo
Today · 4.125%
HK$21,007
baseline
▲ 0.50% · 4.625%
HK$22,115
+HK$1,108/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$42,014/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,034
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,750
−HK$728/mo
Today · 4.125%
HK$24,478
baseline
▲ 0.50% · 4.625%
HK$25,968
+HK$1,490/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,956/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,625
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,312
−HK$697/mo
Today · 4.125%
HK$27,009
baseline
▲ 0.50% · 4.625%
HK$28,433
+HK$1,424/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$54,018/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,268 · 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).