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$12,782
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,179
−HK$404/mo
Today · 4.125%
HK$13,583
baseline
▲ 0.50% · 4.625%
HK$14,410
+HK$827/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,166/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,220
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,601
−HK$387/mo
Today · 4.125%
HK$14,988
baseline
▲ 0.50% · 4.625%
HK$15,778
+HK$790/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,976/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,338
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,815
−HK$485/mo
Today · 4.125%
HK$16,300
baseline
▲ 0.50% · 4.625%
HK$17,292
+HK$992/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,600/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,064
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,521
−HK$464/mo
Today · 4.125%
HK$17,985
baseline
▲ 0.50% · 4.625%
HK$18,933
+HK$948/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,970/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,894
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,451
−HK$566/mo
Today · 4.125%
HK$19,017
baseline
▲ 0.50% · 4.625%
HK$20,174
+HK$1,157/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$38,034/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,907
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,441
−HK$542/mo
Today · 4.125%
HK$20,983
baseline
▲ 0.50% · 4.625%
HK$22,089
+HK$1,106/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,966/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,007
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,723
−HK$727/mo
Today · 4.125%
HK$24,450
baseline
▲ 0.50% · 4.625%
HK$25,938
+HK$1,488/mo
Deposit HK$561K · loan HK$5.04M · min. income ≈ HK$48,900/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,595
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,282
−HK$696/mo
Today · 4.125%
HK$26,978
baseline
▲ 0.50% · 4.625%
HK$28,400
+HK$1,422/mo
Deposit HK$561K · loan HK$5.04M · min. income ≈ HK$53,956/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,122 · 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).