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$12,814
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,212
−HK$405/mo
Today · 4.125%
HK$13,617
baseline
▲ 0.50% · 4.625%
HK$14,446
+HK$829/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,234/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,255
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,637
−HK$388/mo
Today · 4.125%
HK$15,025
baseline
▲ 0.50% · 4.625%
HK$15,817
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,050/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,376
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,855
−HK$486/mo
Today · 4.125%
HK$16,341
baseline
▲ 0.50% · 4.625%
HK$17,335
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,682/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,106
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,565
−HK$465/mo
Today · 4.125%
HK$18,030
baseline
▲ 0.50% · 4.625%
HK$18,981
+HK$951/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,060/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,939
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,497
−HK$567/mo
Today · 4.125%
HK$19,064
baseline
▲ 0.50% · 4.625%
HK$20,224
+HK$1,160/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$38,128/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,957
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,492
−HK$543/mo
Today · 4.125%
HK$21,035
baseline
▲ 0.50% · 4.625%
HK$22,144
+HK$1,109/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$42,070/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,064
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,782
−HK$729/mo
Today · 4.125%
HK$24,511
baseline
▲ 0.50% · 4.625%
HK$26,002
+HK$1,491/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,022/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,659
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,347
−HK$698/mo
Today · 4.125%
HK$27,045
baseline
▲ 0.50% · 4.625%
HK$28,471
+HK$1,426/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,090/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,436 · 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).