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$12,821
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,219
−HK$406/mo
Today · 4.125%
HK$13,625
baseline
▲ 0.50% · 4.625%
HK$14,454
+HK$829/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,250/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,263
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,645
−HK$388/mo
Today · 4.125%
HK$15,033
baseline
▲ 0.50% · 4.625%
HK$15,826
+HK$793/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,066/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,385
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,863
−HK$487/mo
Today · 4.125%
HK$16,350
baseline
▲ 0.50% · 4.625%
HK$17,344
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,700/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,115
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,575
−HK$465/mo
Today · 4.125%
HK$18,040
baseline
▲ 0.50% · 4.625%
HK$18,991
+HK$951/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,080/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,949
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,507
−HK$568/mo
Today · 4.125%
HK$19,075
baseline
▲ 0.50% · 4.625%
HK$20,235
+HK$1,160/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,150/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,968
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,504
−HK$543/mo
Today · 4.125%
HK$21,047
baseline
▲ 0.50% · 4.625%
HK$22,156
+HK$1,109/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,094/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,077
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,795
−HK$729/mo
Today · 4.125%
HK$24,524
baseline
▲ 0.50% · 4.625%
HK$26,017
+HK$1,493/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,048/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,673
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,362
−HK$698/mo
Today · 4.125%
HK$27,060
baseline
▲ 0.50% · 4.625%
HK$28,487
+HK$1,427/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,120/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,506 · 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).