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$12,857
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,257
−HK$406/mo
Today · 4.125%
HK$13,663
baseline
▲ 0.50% · 4.625%
HK$14,495
+HK$832/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,326/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,303
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,687
−HK$389/mo
Today · 4.125%
HK$15,076
baseline
▲ 0.50% · 4.625%
HK$15,871
+HK$795/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,152/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,428
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,908
−HK$488/mo
Today · 4.125%
HK$16,396
baseline
▲ 0.50% · 4.625%
HK$17,394
+HK$998/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$32,792/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,164
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,624
−HK$467/mo
Today · 4.125%
HK$18,091
baseline
▲ 0.50% · 4.625%
HK$19,045
+HK$954/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$36,182/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,000
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,560
−HK$569/mo
Today · 4.125%
HK$19,129
baseline
▲ 0.50% · 4.625%
HK$20,293
+HK$1,164/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,258/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,025
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,562
−HK$545/mo
Today · 4.125%
HK$21,107
baseline
▲ 0.50% · 4.625%
HK$22,219
+HK$1,112/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,214/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,143
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,863
−HK$731/mo
Today · 4.125%
HK$24,594
baseline
▲ 0.50% · 4.625%
HK$26,090
+HK$1,496/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$49,188/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,746
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,436
−HK$701/mo
Today · 4.125%
HK$27,137
baseline
▲ 0.50% · 4.625%
HK$28,567
+HK$1,430/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$54,274/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,865 · 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).