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$12,879
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,280
−HK$407/mo
Today · 4.125%
HK$13,687
baseline
▲ 0.50% · 4.625%
HK$14,519
+HK$832/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,374/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,328
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,712
−HK$390/mo
Today · 4.125%
HK$15,102
baseline
▲ 0.50% · 4.625%
HK$15,898
+HK$796/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,204/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,455
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,935
−HK$489/mo
Today · 4.125%
HK$16,424
baseline
▲ 0.50% · 4.625%
HK$17,423
+HK$999/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,848/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,193
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,654
−HK$468/mo
Today · 4.125%
HK$18,122
baseline
▲ 0.50% · 4.625%
HK$19,077
+HK$955/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,244/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,031
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,591
−HK$570/mo
Today · 4.125%
HK$19,161
baseline
▲ 0.50% · 4.625%
HK$20,327
+HK$1,166/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,322/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,059
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,597
−HK$546/mo
Today · 4.125%
HK$21,143
baseline
▲ 0.50% · 4.625%
HK$22,257
+HK$1,114/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,286/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,182
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,903
−HK$733/mo
Today · 4.125%
HK$24,636
baseline
▲ 0.50% · 4.625%
HK$26,135
+HK$1,499/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$49,272/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,790
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,482
−HK$701/mo
Today · 4.125%
HK$27,183
baseline
▲ 0.50% · 4.625%
HK$28,616
+HK$1,433/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$54,366/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,081 · 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).