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$12,830
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,229
−HK$405/mo
Today · 4.125%
HK$13,634
baseline
▲ 0.50% · 4.625%
HK$14,464
+HK$830/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,268/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,273
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,655
−HK$389/mo
Today · 4.125%
HK$15,044
baseline
▲ 0.50% · 4.625%
HK$15,837
+HK$793/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,088/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,395
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,874
−HK$487/mo
Today · 4.125%
HK$16,361
baseline
▲ 0.50% · 4.625%
HK$17,356
+HK$995/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,722/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,127
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,587
−HK$466/mo
Today · 4.125%
HK$18,053
baseline
▲ 0.50% · 4.625%
HK$19,004
+HK$951/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,106/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,961
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,520
−HK$568/mo
Today · 4.125%
HK$19,088
baseline
▲ 0.50% · 4.625%
HK$20,249
+HK$1,161/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,176/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,982
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,518
−HK$543/mo
Today · 4.125%
HK$21,061
baseline
▲ 0.50% · 4.625%
HK$22,171
+HK$1,110/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,122/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,093
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,811
−HK$730/mo
Today · 4.125%
HK$24,541
baseline
▲ 0.50% · 4.625%
HK$26,035
+HK$1,494/mo
Deposit HK$563K · loan HK$5.06M · min. income ≈ HK$49,082/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,691
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,380
−HK$699/mo
Today · 4.125%
HK$27,079
baseline
▲ 0.50% · 4.625%
HK$28,506
+HK$1,427/mo
Deposit HK$563K · loan HK$5.06M · min. income ≈ HK$54,158/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,593 · 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).