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$12,837
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,236
−HK$406/mo
Today · 4.125%
HK$13,642
baseline
▲ 0.50% · 4.625%
HK$14,472
+HK$830/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,284/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,281
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,664
−HK$388/mo
Today · 4.125%
HK$15,052
baseline
▲ 0.50% · 4.625%
HK$15,845
+HK$793/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,104/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,404
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,883
−HK$487/mo
Today · 4.125%
HK$16,370
baseline
▲ 0.50% · 4.625%
HK$17,366
+HK$996/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,740/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,137
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,596
−HK$466/mo
Today · 4.125%
HK$18,062
baseline
▲ 0.50% · 4.625%
HK$19,015
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,124/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,971
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,530
−HK$568/mo
Today · 4.125%
HK$19,098
baseline
▲ 0.50% · 4.625%
HK$20,260
+HK$1,162/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,196/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,993
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,529
−HK$544/mo
Today · 4.125%
HK$21,073
baseline
▲ 0.50% · 4.625%
HK$22,184
+HK$1,111/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,146/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,106
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,825
−HK$730/mo
Today · 4.125%
HK$24,555
baseline
▲ 0.50% · 4.625%
HK$26,049
+HK$1,494/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,110/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,705
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,394
−HK$700/mo
Today · 4.125%
HK$27,094
baseline
▲ 0.50% · 4.625%
HK$28,522
+HK$1,428/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,188/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,663 · 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).