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$12,861
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,261
−HK$407/mo
Today · 4.125%
HK$13,668
baseline
▲ 0.50% · 4.625%
HK$14,499
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,336/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,308
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,692
−HK$389/mo
Today · 4.125%
HK$15,081
baseline
▲ 0.50% · 4.625%
HK$15,876
+HK$795/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,162/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,433
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,913
−HK$488/mo
Today · 4.125%
HK$16,401
baseline
▲ 0.50% · 4.625%
HK$17,399
+HK$998/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$32,802/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,169
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,630
−HK$467/mo
Today · 4.125%
HK$18,097
baseline
▲ 0.50% · 4.625%
HK$19,051
+HK$954/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$36,194/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,006
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,566
−HK$569/mo
Today · 4.125%
HK$19,135
baseline
▲ 0.50% · 4.625%
HK$20,299
+HK$1,164/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,270/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,031
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,568
−HK$545/mo
Today · 4.125%
HK$21,113
baseline
▲ 0.50% · 4.625%
HK$22,226
+HK$1,113/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,226/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,150
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,870
−HK$732/mo
Today · 4.125%
HK$24,602
baseline
▲ 0.50% · 4.625%
HK$26,099
+HK$1,497/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$49,204/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,754
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,445
−HK$701/mo
Today · 4.125%
HK$27,146
baseline
▲ 0.50% · 4.625%
HK$28,576
+HK$1,430/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$54,292/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,905 · 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).