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$12,779
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,177
−HK$403/mo
Today · 4.125%
HK$13,580
baseline
▲ 0.50% · 4.625%
HK$14,407
+HK$827/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,160/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,217
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,598
−HK$387/mo
Today · 4.125%
HK$14,985
baseline
▲ 0.50% · 4.625%
HK$15,775
+HK$790/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,970/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,335
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,812
−HK$485/mo
Today · 4.125%
HK$16,297
baseline
▲ 0.50% · 4.625%
HK$17,288
+HK$991/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,594/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,060
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,517
−HK$465/mo
Today · 4.125%
HK$17,982
baseline
▲ 0.50% · 4.625%
HK$18,929
+HK$947/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,964/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,891
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,447
−HK$566/mo
Today · 4.125%
HK$19,013
baseline
▲ 0.50% · 4.625%
HK$20,169
+HK$1,156/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$38,026/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,903
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,437
−HK$542/mo
Today · 4.125%
HK$20,979
baseline
▲ 0.50% · 4.625%
HK$22,084
+HK$1,105/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,958/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,002
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,718
−HK$727/mo
Today · 4.125%
HK$24,445
baseline
▲ 0.50% · 4.625%
HK$25,932
+HK$1,487/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,890/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,590
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,276
−HK$696/mo
Today · 4.125%
HK$26,972
baseline
▲ 0.50% · 4.625%
HK$28,394
+HK$1,422/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,944/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,096 · 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).