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$12,804
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,202
−HK$405/mo
Today · 4.125%
HK$13,607
baseline
▲ 0.50% · 4.625%
HK$14,435
+HK$828/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,214/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,244
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,627
−HK$387/mo
Today · 4.125%
HK$15,014
baseline
▲ 0.50% · 4.625%
HK$15,805
+HK$791/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,028/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,365
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,843
−HK$485/mo
Today · 4.125%
HK$16,328
baseline
▲ 0.50% · 4.625%
HK$17,322
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,656/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,093
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,552
−HK$465/mo
Today · 4.125%
HK$18,017
baseline
▲ 0.50% · 4.625%
HK$18,967
+HK$950/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,034/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,926
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,483
−HK$567/mo
Today · 4.125%
HK$19,050
baseline
▲ 0.50% · 4.625%
HK$20,209
+HK$1,159/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,100/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,942
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,477
−HK$543/mo
Today · 4.125%
HK$21,020
baseline
▲ 0.50% · 4.625%
HK$22,128
+HK$1,108/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$42,040/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,047
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,764
−HK$729/mo
Today · 4.125%
HK$24,493
baseline
▲ 0.50% · 4.625%
HK$25,983
+HK$1,490/mo
Deposit HK$562K · loan HK$5.05M · min. income ≈ HK$48,986/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,640
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,328
−HK$697/mo
Today · 4.125%
HK$27,025
baseline
▲ 0.50% · 4.625%
HK$28,450
+HK$1,425/mo
Deposit HK$562K · loan HK$5.05M · min. income ≈ HK$54,050/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,343 · 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).