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$12,763
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,160
−HK$403/mo
Today · 4.125%
HK$13,563
baseline
▲ 0.50% · 4.625%
HK$14,388
+HK$825/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,126/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,198
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,579
−HK$386/mo
Today · 4.125%
HK$14,965
baseline
▲ 0.50% · 4.625%
HK$15,754
+HK$789/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,930/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,315
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,792
−HK$484/mo
Today · 4.125%
HK$16,276
baseline
▲ 0.50% · 4.625%
HK$17,266
+HK$990/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,552/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,038
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,495
−HK$464/mo
Today · 4.125%
HK$17,959
baseline
▲ 0.50% · 4.625%
HK$18,905
+HK$946/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,918/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,868
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,424
−HK$564/mo
Today · 4.125%
HK$18,988
baseline
▲ 0.50% · 4.625%
HK$20,144
+HK$1,156/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$37,976/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$125,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,878
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,411
−HK$541/mo
Today · 4.125%
HK$20,952
baseline
▲ 0.50% · 4.625%
HK$22,056
+HK$1,104/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,904/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$125,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,973
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,687
−HK$726/mo
Today · 4.125%
HK$24,413
baseline
▲ 0.50% · 4.625%
HK$25,899
+HK$1,486/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,826/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$125,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,557
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,242
−HK$696/mo
Today · 4.125%
HK$26,938
baseline
▲ 0.50% · 4.625%
HK$28,358
+HK$1,420/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,876/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$125,934 · 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).