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$12,790
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,188
−HK$404/mo
Today · 4.125%
HK$13,592
baseline
▲ 0.50% · 4.625%
HK$14,419
+HK$827/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,184/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,229
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,611
−HK$387/mo
Today · 4.125%
HK$14,998
baseline
▲ 0.50% · 4.625%
HK$15,788
+HK$790/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,996/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,348
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,826
−HK$485/mo
Today · 4.125%
HK$16,311
baseline
▲ 0.50% · 4.625%
HK$17,303
+HK$992/mo
Deposit HK$2.24M · loan HK$3.37M · min. income ≈ HK$32,622/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,075
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,533
−HK$464/mo
Today · 4.125%
HK$17,997
baseline
▲ 0.50% · 4.625%
HK$18,946
+HK$949/mo
Deposit HK$2.24M · loan HK$3.37M · min. income ≈ HK$35,994/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,906
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,463
−HK$566/mo
Today · 4.125%
HK$19,029
baseline
▲ 0.50% · 4.625%
HK$20,187
+HK$1,158/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,058/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,920
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,455
−HK$542/mo
Today · 4.125%
HK$20,997
baseline
▲ 0.50% · 4.625%
HK$22,103
+HK$1,106/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$41,994/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,022
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,738
−HK$728/mo
Today · 4.125%
HK$24,466
baseline
▲ 0.50% · 4.625%
HK$25,955
+HK$1,489/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,932/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,612
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,299
−HK$697/mo
Today · 4.125%
HK$26,996
baseline
▲ 0.50% · 4.625%
HK$28,419
+HK$1,423/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$53,992/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,205 · 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).