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$12,847
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,246
−HK$406/mo
Today · 4.125%
HK$13,652
baseline
▲ 0.50% · 4.625%
HK$14,483
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,304/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,292
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,675
−HK$389/mo
Today · 4.125%
HK$15,064
baseline
▲ 0.50% · 4.625%
HK$15,858
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,128/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,416
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,896
−HK$487/mo
Today · 4.125%
HK$16,383
baseline
▲ 0.50% · 4.625%
HK$17,380
+HK$997/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,766/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,150
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,610
−HK$467/mo
Today · 4.125%
HK$18,077
baseline
▲ 0.50% · 4.625%
HK$19,030
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,154/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,986
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,545
−HK$568/mo
Today · 4.125%
HK$19,113
baseline
▲ 0.50% · 4.625%
HK$20,276
+HK$1,163/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,226/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,009
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,545
−HK$545/mo
Today · 4.125%
HK$21,090
baseline
▲ 0.50% · 4.625%
HK$22,201
+HK$1,111/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,180/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,124
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,844
−HK$730/mo
Today · 4.125%
HK$24,574
baseline
▲ 0.50% · 4.625%
HK$26,070
+HK$1,496/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,148/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,726
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,415
−HK$700/mo
Today · 4.125%
HK$27,115
baseline
▲ 0.50% · 4.625%
HK$28,545
+HK$1,430/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,230/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,764 · 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).