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$12,870
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,271
−HK$406/mo
Today · 4.125%
HK$13,677
baseline
▲ 0.50% · 4.625%
HK$14,510
+HK$833/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,354/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,318
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,702
−HK$390/mo
Today · 4.125%
HK$15,092
baseline
▲ 0.50% · 4.625%
HK$15,887
+HK$795/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,184/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,444
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,925
−HK$488/mo
Today · 4.125%
HK$16,413
baseline
▲ 0.50% · 4.625%
HK$17,412
+HK$999/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,826/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,182
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,643
−HK$467/mo
Today · 4.125%
HK$18,110
baseline
▲ 0.50% · 4.625%
HK$19,065
+HK$955/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,220/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,018
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,579
−HK$569/mo
Today · 4.125%
HK$19,148
baseline
▲ 0.50% · 4.625%
HK$20,313
+HK$1,165/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,296/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,045
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,583
−HK$545/mo
Today · 4.125%
HK$21,128
baseline
▲ 0.50% · 4.625%
HK$22,242
+HK$1,114/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,256/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,167
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,887
−HK$732/mo
Today · 4.125%
HK$24,619
baseline
▲ 0.50% · 4.625%
HK$26,117
+HK$1,498/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$49,238/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,773
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,464
−HK$701/mo
Today · 4.125%
HK$27,165
baseline
▲ 0.50% · 4.625%
HK$28,597
+HK$1,432/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$54,330/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,996 · 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).