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$12,777
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,174
−HK$404/mo
Today · 4.125%
HK$13,578
baseline
▲ 0.50% · 4.625%
HK$14,404
+HK$826/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,156/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,214
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,595
−HK$387/mo
Today · 4.125%
HK$14,982
baseline
▲ 0.50% · 4.625%
HK$15,771
+HK$789/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,964/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,332
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,809
−HK$484/mo
Today · 4.125%
HK$16,293
baseline
▲ 0.50% · 4.625%
HK$17,285
+HK$992/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,586/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,057
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,514
−HK$464/mo
Today · 4.125%
HK$17,978
baseline
▲ 0.50% · 4.625%
HK$18,926
+HK$948/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,956/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,887
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,444
−HK$565/mo
Today · 4.125%
HK$19,009
baseline
▲ 0.50% · 4.625%
HK$20,166
+HK$1,157/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$38,018/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,899
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,433
−HK$541/mo
Today · 4.125%
HK$20,974
baseline
▲ 0.50% · 4.625%
HK$22,080
+HK$1,106/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,948/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,998
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,713
−HK$727/mo
Today · 4.125%
HK$24,440
baseline
▲ 0.50% · 4.625%
HK$25,927
+HK$1,487/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,880/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,585
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,271
−HK$696/mo
Today · 4.125%
HK$26,967
baseline
▲ 0.50% · 4.625%
HK$28,389
+HK$1,422/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,934/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,071 · 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).