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$12,799
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,197
−HK$405/mo
Today · 4.125%
HK$13,602
baseline
▲ 0.50% · 4.625%
HK$14,429
+HK$827/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,204/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,239
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,621
−HK$387/mo
Today · 4.125%
HK$15,008
baseline
▲ 0.50% · 4.625%
HK$15,799
+HK$791/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,016/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,359
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,837
−HK$485/mo
Today · 4.125%
HK$16,322
baseline
▲ 0.50% · 4.625%
HK$17,315
+HK$993/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,644/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,087
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,545
−HK$465/mo
Today · 4.125%
HK$18,010
baseline
▲ 0.50% · 4.625%
HK$18,959
+HK$949/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,020/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,919
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,476
−HK$567/mo
Today · 4.125%
HK$19,043
baseline
▲ 0.50% · 4.625%
HK$20,201
+HK$1,158/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,086/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,935
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,469
−HK$543/mo
Today · 4.125%
HK$21,012
baseline
▲ 0.50% · 4.625%
HK$22,119
+HK$1,107/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$42,024/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,039
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,755
−HK$728/mo
Today · 4.125%
HK$24,483
baseline
▲ 0.50% · 4.625%
HK$25,973
+HK$1,490/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,966/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,630
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,318
−HK$697/mo
Today · 4.125%
HK$27,015
baseline
▲ 0.50% · 4.625%
HK$28,439
+HK$1,424/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$54,030/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,294 · 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).