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$12,819
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,218
−HK$405/mo
Today · 4.125%
HK$13,623
baseline
▲ 0.50% · 4.625%
HK$14,452
+HK$829/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,246/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,261
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,643
−HK$388/mo
Today · 4.125%
HK$15,031
baseline
▲ 0.50% · 4.625%
HK$15,824
+HK$793/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,062/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,383
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,861
−HK$486/mo
Today · 4.125%
HK$16,347
baseline
▲ 0.50% · 4.625%
HK$17,342
+HK$995/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,694/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,113
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,572
−HK$465/mo
Today · 4.125%
HK$18,037
baseline
▲ 0.50% · 4.625%
HK$18,988
+HK$951/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,074/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,946
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,505
−HK$567/mo
Today · 4.125%
HK$19,072
baseline
▲ 0.50% · 4.625%
HK$20,232
+HK$1,160/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,144/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,965
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,501
−HK$543/mo
Today · 4.125%
HK$21,044
baseline
▲ 0.50% · 4.625%
HK$22,153
+HK$1,109/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,088/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,074
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,792
−HK$729/mo
Today · 4.125%
HK$24,521
baseline
▲ 0.50% · 4.625%
HK$26,013
+HK$1,492/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,042/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,669
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,358
−HK$698/mo
Today · 4.125%
HK$27,056
baseline
▲ 0.50% · 4.625%
HK$28,482
+HK$1,426/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,112/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,487 · 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).