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$12,759
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,156
−HK$403/mo
Today · 4.125%
HK$13,559
baseline
▲ 0.50% · 4.625%
HK$14,384
+HK$825/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,118/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,194
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,575
−HK$386/mo
Today · 4.125%
HK$14,961
baseline
▲ 0.50% · 4.625%
HK$15,750
+HK$789/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,922/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,311
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,787
−HK$484/mo
Today · 4.125%
HK$16,271
baseline
▲ 0.50% · 4.625%
HK$17,261
+HK$990/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,542/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,033
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,490
−HK$463/mo
Today · 4.125%
HK$17,953
baseline
▲ 0.50% · 4.625%
HK$18,899
+HK$946/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,906/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,862
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,418
−HK$564/mo
Today · 4.125%
HK$18,982
baseline
▲ 0.50% · 4.625%
HK$20,138
+HK$1,156/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$37,964/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,872
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,405
−HK$540/mo
Today · 4.125%
HK$20,945
baseline
▲ 0.50% · 4.625%
HK$22,049
+HK$1,104/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,890/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,966
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,680
−HK$726/mo
Today · 4.125%
HK$24,406
baseline
▲ 0.50% · 4.625%
HK$25,891
+HK$1,485/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,812/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,549
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,235
−HK$695/mo
Today · 4.125%
HK$26,930
baseline
▲ 0.50% · 4.625%
HK$28,349
+HK$1,419/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,860/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,896 · 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).