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$12,856
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,256
−HK$406/mo
Today · 4.125%
HK$13,662
baseline
▲ 0.50% · 4.625%
HK$14,493
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,324/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,302
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,686
−HK$389/mo
Today · 4.125%
HK$15,075
baseline
▲ 0.50% · 4.625%
HK$15,869
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,150/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,427
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,907
−HK$488/mo
Today · 4.125%
HK$16,395
baseline
▲ 0.50% · 4.625%
HK$17,392
+HK$997/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$32,790/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,163
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,623
−HK$467/mo
Today · 4.125%
HK$18,090
baseline
▲ 0.50% · 4.625%
HK$19,043
+HK$953/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$36,180/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,998
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,558
−HK$569/mo
Today · 4.125%
HK$19,127
baseline
▲ 0.50% · 4.625%
HK$20,291
+HK$1,164/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,254/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,023
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,560
−HK$545/mo
Today · 4.125%
HK$21,105
baseline
▲ 0.50% · 4.625%
HK$22,217
+HK$1,112/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,210/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,141
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,861
−HK$731/mo
Today · 4.125%
HK$24,592
baseline
▲ 0.50% · 4.625%
HK$26,088
+HK$1,496/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$49,184/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,744
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,434
−HK$701/mo
Today · 4.125%
HK$27,135
baseline
▲ 0.50% · 4.625%
HK$28,565
+HK$1,430/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$54,270/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,854 · 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).