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$12,851
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,251
−HK$406/mo
Today · 4.125%
HK$13,657
baseline
▲ 0.50% · 4.625%
HK$14,488
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,314/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,297
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,680
−HK$389/mo
Today · 4.125%
HK$15,069
baseline
▲ 0.50% · 4.625%
HK$15,863
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,138/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,421
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,901
−HK$487/mo
Today · 4.125%
HK$16,388
baseline
▲ 0.50% · 4.625%
HK$17,386
+HK$998/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,776/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,156
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,616
−HK$467/mo
Today · 4.125%
HK$18,083
baseline
▲ 0.50% · 4.625%
HK$19,036
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,166/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,992
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,551
−HK$569/mo
Today · 4.125%
HK$19,120
baseline
▲ 0.50% · 4.625%
HK$20,283
+HK$1,163/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,240/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,015
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,552
−HK$545/mo
Today · 4.125%
HK$21,097
baseline
▲ 0.50% · 4.625%
HK$22,209
+HK$1,112/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,194/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,132
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,852
−HK$731/mo
Today · 4.125%
HK$24,583
baseline
▲ 0.50% · 4.625%
HK$26,078
+HK$1,495/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$49,166/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,734
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,424
−HK$700/mo
Today · 4.125%
HK$27,124
baseline
▲ 0.50% · 4.625%
HK$28,554
+HK$1,430/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$54,248/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,806 · 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).