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$12,876
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,277
−HK$406/mo
Today · 4.125%
HK$13,683
baseline
▲ 0.50% · 4.625%
HK$14,516
+HK$833/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,366/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,324
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,709
−HK$389/mo
Today · 4.125%
HK$15,098
baseline
▲ 0.50% · 4.625%
HK$15,894
+HK$796/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,196/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,451
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,932
−HK$488/mo
Today · 4.125%
HK$16,420
baseline
▲ 0.50% · 4.625%
HK$17,419
+HK$999/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,840/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,189
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,650
−HK$468/mo
Today · 4.125%
HK$18,118
baseline
▲ 0.50% · 4.625%
HK$19,073
+HK$955/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,236/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,026
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,587
−HK$570/mo
Today · 4.125%
HK$19,157
baseline
▲ 0.50% · 4.625%
HK$20,322
+HK$1,165/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,314/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,054
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,592
−HK$546/mo
Today · 4.125%
HK$21,138
baseline
▲ 0.50% · 4.625%
HK$22,252
+HK$1,114/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,276/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,177
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,898
−HK$732/mo
Today · 4.125%
HK$24,630
baseline
▲ 0.50% · 4.625%
HK$26,129
+HK$1,499/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$49,260/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,784
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,475
−HK$702/mo
Today · 4.125%
HK$27,177
baseline
▲ 0.50% · 4.625%
HK$28,610
+HK$1,433/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$54,354/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,052 · 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).