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$12,770
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,168
−HK$403/mo
Today · 4.125%
HK$13,571
baseline
▲ 0.50% · 4.625%
HK$14,397
+HK$826/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,142/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,207
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,588
−HK$386/mo
Today · 4.125%
HK$14,974
baseline
▲ 0.50% · 4.625%
HK$15,764
+HK$790/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,948/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,324
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,801
−HK$484/mo
Today · 4.125%
HK$16,285
baseline
▲ 0.50% · 4.625%
HK$17,276
+HK$991/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,570/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,048
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,505
−HK$464/mo
Today · 4.125%
HK$17,969
baseline
▲ 0.50% · 4.625%
HK$18,917
+HK$948/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,938/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,878
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,435
−HK$565/mo
Today · 4.125%
HK$19,000
baseline
▲ 0.50% · 4.625%
HK$20,156
+HK$1,156/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$38,000/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,890
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,423
−HK$541/mo
Today · 4.125%
HK$20,964
baseline
▲ 0.50% · 4.625%
HK$22,069
+HK$1,105/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,928/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,987
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,702
−HK$726/mo
Today · 4.125%
HK$24,428
baseline
▲ 0.50% · 4.625%
HK$25,914
+HK$1,486/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,856/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,572
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,258
−HK$696/mo
Today · 4.125%
HK$26,954
baseline
▲ 0.50% · 4.625%
HK$28,375
+HK$1,421/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,908/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,009 · 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).