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$12,858
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,258
−HK$406/mo
Today · 4.125%
HK$13,664
baseline
▲ 0.50% · 4.625%
HK$14,495
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,328/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,304
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,688
−HK$389/mo
Today · 4.125%
HK$15,077
baseline
▲ 0.50% · 4.625%
HK$15,871
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,154/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,429
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,909
−HK$488/mo
Today · 4.125%
HK$16,397
baseline
▲ 0.50% · 4.625%
HK$17,394
+HK$997/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$32,794/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,165
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,625
−HK$467/mo
Today · 4.125%
HK$18,092
baseline
▲ 0.50% · 4.625%
HK$19,046
+HK$954/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$36,184/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,001
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,561
−HK$568/mo
Today · 4.125%
HK$19,129
baseline
▲ 0.50% · 4.625%
HK$20,293
+HK$1,164/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,258/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,026
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,563
−HK$544/mo
Today · 4.125%
HK$21,107
baseline
▲ 0.50% · 4.625%
HK$22,220
+HK$1,113/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,214/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,144
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,864
−HK$731/mo
Today · 4.125%
HK$24,595
baseline
▲ 0.50% · 4.625%
HK$26,092
+HK$1,497/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$49,190/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,747
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,438
−HK$700/mo
Today · 4.125%
HK$27,138
baseline
▲ 0.50% · 4.625%
HK$28,569
+HK$1,431/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$54,276/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,871 · 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).