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$12,766
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,163
−HK$403/mo
Today · 4.125%
HK$13,566
baseline
▲ 0.50% · 4.625%
HK$14,392
+HK$826/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,132/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$125,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,202
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,583
−HK$386/mo
Today · 4.125%
HK$14,969
baseline
▲ 0.50% · 4.625%
HK$15,758
+HK$789/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,938/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$125,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,319
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,795
−HK$484/mo
Today · 4.125%
HK$16,279
baseline
▲ 0.50% · 4.625%
HK$17,270
+HK$991/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,558/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$125,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,042
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,499
−HK$464/mo
Today · 4.125%
HK$17,963
baseline
▲ 0.50% · 4.625%
HK$18,910
+HK$947/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,926/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$125,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,872
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,428
−HK$565/mo
Today · 4.125%
HK$18,993
baseline
▲ 0.50% · 4.625%
HK$20,148
+HK$1,155/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$37,986/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$125,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,882
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,416
−HK$541/mo
Today · 4.125%
HK$20,957
baseline
▲ 0.50% · 4.625%
HK$22,061
+HK$1,104/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,914/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$125,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,978
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,693
−HK$726/mo
Today · 4.125%
HK$24,419
baseline
▲ 0.50% · 4.625%
HK$25,905
+HK$1,486/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,838/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$125,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,563
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,249
−HK$695/mo
Today · 4.125%
HK$26,944
baseline
▲ 0.50% · 4.625%
HK$28,364
+HK$1,420/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,888/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$125,964 · 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).