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$12,801
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,199
−HK$405/mo
Today · 4.125%
HK$13,604
baseline
▲ 0.50% · 4.625%
HK$14,431
+HK$827/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,208/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,241
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,623
−HK$387/mo
Today · 4.125%
HK$15,010
baseline
▲ 0.50% · 4.625%
HK$15,802
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,020/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,361
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,839
−HK$485/mo
Today · 4.125%
HK$16,324
baseline
▲ 0.50% · 4.625%
HK$17,318
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,648/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,089
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,548
−HK$464/mo
Today · 4.125%
HK$18,012
baseline
▲ 0.50% · 4.625%
HK$18,962
+HK$950/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,024/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,921
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,479
−HK$566/mo
Today · 4.125%
HK$19,045
baseline
▲ 0.50% · 4.625%
HK$20,204
+HK$1,159/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,090/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,937
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,472
−HK$543/mo
Today · 4.125%
HK$21,015
baseline
▲ 0.50% · 4.625%
HK$22,122
+HK$1,107/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$42,030/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,042
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,759
−HK$728/mo
Today · 4.125%
HK$24,487
baseline
▲ 0.50% · 4.625%
HK$25,977
+HK$1,490/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,974/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,634
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,321
−HK$698/mo
Today · 4.125%
HK$27,019
baseline
▲ 0.50% · 4.625%
HK$28,443
+HK$1,424/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$54,038/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,312 · 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).