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$126,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,273
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,656
−HK$388/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$126,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,396
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,875
−HK$486/mo
Today · 4.125%
HK$16,361
baseline
▲ 0.50% · 4.625%
HK$17,357
+HK$996/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$126,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,128
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,587
−HK$466/mo
Today · 4.125%
HK$18,053
baseline
▲ 0.50% · 4.625%
HK$19,005
+HK$952/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$126,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,962
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,521
−HK$567/mo
Today · 4.125%
HK$19,088
baseline
▲ 0.50% · 4.625%
HK$20,250
+HK$1,162/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$126,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,982
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,518
−HK$544/mo
Today · 4.125%
HK$21,062
baseline
▲ 0.50% · 4.625%
HK$22,172
+HK$1,110/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,124/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,094
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,812
−HK$730/mo
Today · 4.125%
HK$24,542
baseline
▲ 0.50% · 4.625%
HK$26,035
+HK$1,493/mo
Deposit HK$563K · loan HK$5.06M · min. income ≈ HK$49,084/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,692
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,381
−HK$699/mo
Today · 4.125%
HK$27,080
baseline
▲ 0.50% · 4.625%
HK$28,507
+HK$1,427/mo
Deposit HK$563K · loan HK$5.06M · min. income ≈ HK$54,160/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,597 · 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).