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$12,852
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,252
−HK$406/mo
Today · 4.125%
HK$13,658
baseline
▲ 0.50% · 4.625%
HK$14,489
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,316/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,298
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,681
−HK$389/mo
Today · 4.125%
HK$15,070
baseline
▲ 0.50% · 4.625%
HK$15,864
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,140/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,422
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,902
−HK$487/mo
Today · 4.125%
HK$16,389
baseline
▲ 0.50% · 4.625%
HK$17,387
+HK$998/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,778/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,157
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,617
−HK$467/mo
Today · 4.125%
HK$18,084
baseline
▲ 0.50% · 4.625%
HK$19,037
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,168/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,993
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,552
−HK$569/mo
Today · 4.125%
HK$19,121
baseline
▲ 0.50% · 4.625%
HK$20,284
+HK$1,163/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,242/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,017
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,554
−HK$544/mo
Today · 4.125%
HK$21,098
baseline
▲ 0.50% · 4.625%
HK$22,210
+HK$1,112/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,196/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,133
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,853
−HK$731/mo
Today · 4.125%
HK$24,584
baseline
▲ 0.50% · 4.625%
HK$26,080
+HK$1,496/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$49,168/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,736
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,426
−HK$700/mo
Today · 4.125%
HK$27,126
baseline
▲ 0.50% · 4.625%
HK$28,556
+HK$1,430/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$54,252/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,814 · 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).