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$12,797
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,195
−HK$405/mo
Today · 4.125%
HK$13,600
baseline
▲ 0.50% · 4.625%
HK$14,427
+HK$827/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,200/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,237
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,619
−HK$387/mo
Today · 4.125%
HK$15,006
baseline
▲ 0.50% · 4.625%
HK$15,797
+HK$791/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,012/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,357
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,834
−HK$486/mo
Today · 4.125%
HK$16,320
baseline
▲ 0.50% · 4.625%
HK$17,313
+HK$993/mo
Deposit HK$2.24M · loan HK$3.37M · min. income ≈ HK$32,640/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,084
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,542
−HK$465/mo
Today · 4.125%
HK$18,007
baseline
▲ 0.50% · 4.625%
HK$18,956
+HK$949/mo
Deposit HK$2.24M · loan HK$3.37M · min. income ≈ HK$36,014/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,916
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,473
−HK$567/mo
Today · 4.125%
HK$19,040
baseline
▲ 0.50% · 4.625%
HK$20,198
+HK$1,158/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,080/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,931
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,466
−HK$542/mo
Today · 4.125%
HK$21,008
baseline
▲ 0.50% · 4.625%
HK$22,116
+HK$1,108/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$42,016/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,035
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,751
−HK$728/mo
Today · 4.125%
HK$24,479
baseline
▲ 0.50% · 4.625%
HK$25,969
+HK$1,490/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,958/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,626
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,313
−HK$698/mo
Today · 4.125%
HK$27,011
baseline
▲ 0.50% · 4.625%
HK$28,434
+HK$1,423/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$54,022/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,274 · 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).