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$12,873
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,274
−HK$407/mo
Today · 4.125%
HK$13,681
baseline
▲ 0.50% · 4.625%
HK$14,513
+HK$832/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,362/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,321
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,705
−HK$390/mo
Today · 4.125%
HK$15,095
baseline
▲ 0.50% · 4.625%
HK$15,891
+HK$796/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,190/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,448
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,928
−HK$489/mo
Today · 4.125%
HK$16,417
baseline
▲ 0.50% · 4.625%
HK$17,416
+HK$999/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,834/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,186
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,647
−HK$467/mo
Today · 4.125%
HK$18,114
baseline
▲ 0.50% · 4.625%
HK$19,069
+HK$955/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,228/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,023
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,583
−HK$570/mo
Today · 4.125%
HK$19,153
baseline
▲ 0.50% · 4.625%
HK$20,318
+HK$1,165/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,306/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,050
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,588
−HK$545/mo
Today · 4.125%
HK$21,133
baseline
▲ 0.50% · 4.625%
HK$22,247
+HK$1,114/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,266/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,172
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,893
−HK$732/mo
Today · 4.125%
HK$24,625
baseline
▲ 0.50% · 4.625%
HK$26,123
+HK$1,498/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$49,250/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,779
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,470
−HK$701/mo
Today · 4.125%
HK$27,171
baseline
▲ 0.50% · 4.625%
HK$28,603
+HK$1,432/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$54,342/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,025 · 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).