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$12,881
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,282
−HK$407/mo
Today · 4.125%
HK$13,689
baseline
▲ 0.50% · 4.625%
HK$14,522
+HK$833/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,378/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,330
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,714
−HK$390/mo
Today · 4.125%
HK$15,104
baseline
▲ 0.50% · 4.625%
HK$15,900
+HK$796/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,208/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,457
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,938
−HK$489/mo
Today · 4.125%
HK$16,427
baseline
▲ 0.50% · 4.625%
HK$17,426
+HK$999/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,854/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,196
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,657
−HK$468/mo
Today · 4.125%
HK$18,125
baseline
▲ 0.50% · 4.625%
HK$19,081
+HK$956/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,250/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,033
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,594
−HK$570/mo
Today · 4.125%
HK$19,164
baseline
▲ 0.50% · 4.625%
HK$20,330
+HK$1,166/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,328/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,062
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,600
−HK$546/mo
Today · 4.125%
HK$21,146
baseline
▲ 0.50% · 4.625%
HK$22,261
+HK$1,115/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,292/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,186
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,907
−HK$733/mo
Today · 4.125%
HK$24,640
baseline
▲ 0.50% · 4.625%
HK$26,139
+HK$1,499/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$49,280/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,794
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,486
−HK$702/mo
Today · 4.125%
HK$27,188
baseline
▲ 0.50% · 4.625%
HK$28,621
+HK$1,433/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$54,376/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,102 · 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).