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$12,843
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,243
−HK$406/mo
Today · 4.125%
HK$13,649
baseline
▲ 0.50% · 4.625%
HK$14,479
+HK$830/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,298/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,288
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,671
−HK$389/mo
Today · 4.125%
HK$15,060
baseline
▲ 0.50% · 4.625%
HK$15,854
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,120/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,412
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,891
−HK$487/mo
Today · 4.125%
HK$16,378
baseline
▲ 0.50% · 4.625%
HK$17,375
+HK$997/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,756/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,145
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,605
−HK$467/mo
Today · 4.125%
HK$18,072
baseline
▲ 0.50% · 4.625%
HK$19,024
+HK$952/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,144/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,980
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,540
−HK$568/mo
Today · 4.125%
HK$19,108
baseline
▲ 0.50% · 4.625%
HK$20,271
+HK$1,163/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,216/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,003
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,539
−HK$545/mo
Today · 4.125%
HK$21,084
baseline
▲ 0.50% · 4.625%
HK$22,195
+HK$1,111/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,168/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,118
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,837
−HK$730/mo
Today · 4.125%
HK$24,567
baseline
▲ 0.50% · 4.625%
HK$26,062
+HK$1,495/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,134/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,718
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,408
−HK$700/mo
Today · 4.125%
HK$27,108
baseline
▲ 0.50% · 4.625%
HK$28,536
+HK$1,428/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,216/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,728 · 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).