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$12,749
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,146
−HK$403/mo
Today · 4.125%
HK$13,549
baseline
▲ 0.50% · 4.625%
HK$14,373
+HK$824/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,098/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,184
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,564
−HK$386/mo
Today · 4.125%
HK$14,950
baseline
▲ 0.50% · 4.625%
HK$15,738
+HK$788/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,900/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,299
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,775
−HK$484/mo
Today · 4.125%
HK$16,259
baseline
▲ 0.50% · 4.625%
HK$17,248
+HK$989/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$32,518/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,020
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,477
−HK$463/mo
Today · 4.125%
HK$17,940
baseline
▲ 0.50% · 4.625%
HK$18,885
+HK$945/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$35,880/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,849
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,404
−HK$564/mo
Today · 4.125%
HK$18,968
baseline
▲ 0.50% · 4.625%
HK$20,123
+HK$1,155/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,936/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,857
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,390
−HK$540/mo
Today · 4.125%
HK$20,930
baseline
▲ 0.50% · 4.625%
HK$22,033
+HK$1,103/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,860/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,949
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,663
−HK$725/mo
Today · 4.125%
HK$24,388
baseline
▲ 0.50% · 4.625%
HK$25,872
+HK$1,484/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,776/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,530
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,215
−HK$695/mo
Today · 4.125%
HK$26,910
baseline
▲ 0.50% · 4.625%
HK$28,328
+HK$1,418/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,820/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,802 · 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).