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$12,822
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,221
−HK$405/mo
Today · 4.125%
HK$13,626
baseline
▲ 0.50% · 4.625%
HK$14,455
+HK$829/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,252/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,264
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,647
−HK$388/mo
Today · 4.125%
HK$15,035
baseline
▲ 0.50% · 4.625%
HK$15,827
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,070/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,386
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,865
−HK$486/mo
Today · 4.125%
HK$16,351
baseline
▲ 0.50% · 4.625%
HK$17,346
+HK$995/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,702/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,117
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,576
−HK$466/mo
Today · 4.125%
HK$18,042
baseline
▲ 0.50% · 4.625%
HK$18,993
+HK$951/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,084/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,951
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,509
−HK$567/mo
Today · 4.125%
HK$19,076
baseline
▲ 0.50% · 4.625%
HK$20,237
+HK$1,161/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,152/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,970
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,505
−HK$544/mo
Today · 4.125%
HK$21,049
baseline
▲ 0.50% · 4.625%
HK$22,158
+HK$1,109/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,098/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,079
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,797
−HK$730/mo
Today · 4.125%
HK$24,527
baseline
▲ 0.50% · 4.625%
HK$26,019
+HK$1,492/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,054/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,676
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,364
−HK$699/mo
Today · 4.125%
HK$27,063
baseline
▲ 0.50% · 4.625%
HK$28,489
+HK$1,426/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,126/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,518 · 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).