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$12,751
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,148
−HK$403/mo
Today · 4.125%
HK$13,551
baseline
▲ 0.50% · 4.625%
HK$14,375
+HK$824/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,102/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,185
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,566
−HK$386/mo
Today · 4.125%
HK$14,952
baseline
▲ 0.50% · 4.625%
HK$15,740
+HK$788/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,904/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,301
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,777
−HK$484/mo
Today · 4.125%
HK$16,261
baseline
▲ 0.50% · 4.625%
HK$17,250
+HK$989/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,522/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,022
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,479
−HK$463/mo
Today · 4.125%
HK$17,942
baseline
▲ 0.50% · 4.625%
HK$18,888
+HK$946/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,884/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,851
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,407
−HK$564/mo
Today · 4.125%
HK$18,971
baseline
▲ 0.50% · 4.625%
HK$20,125
+HK$1,154/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,942/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,859
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,392
−HK$540/mo
Today · 4.125%
HK$20,932
baseline
▲ 0.50% · 4.625%
HK$22,036
+HK$1,104/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,864/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,952
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,666
−HK$725/mo
Today · 4.125%
HK$24,391
baseline
▲ 0.50% · 4.625%
HK$25,875
+HK$1,484/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,782/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,534
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,218
−HK$695/mo
Today · 4.125%
HK$26,913
baseline
▲ 0.50% · 4.625%
HK$28,332
+HK$1,419/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,826/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,818 · 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).