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$12,843
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,242
−HK$406/mo
Today · 4.125%
HK$13,648
baseline
▲ 0.50% · 4.625%
HK$14,478
+HK$830/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,296/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,287
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,670
−HK$389/mo
Today · 4.125%
HK$15,059
baseline
▲ 0.50% · 4.625%
HK$15,853
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,118/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,411
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,890
−HK$487/mo
Today · 4.125%
HK$16,377
baseline
▲ 0.50% · 4.625%
HK$17,374
+HK$997/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,754/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,145
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,604
−HK$467/mo
Today · 4.125%
HK$18,071
baseline
▲ 0.50% · 4.625%
HK$19,023
+HK$952/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,142/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,980
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,539
−HK$568/mo
Today · 4.125%
HK$19,107
baseline
▲ 0.50% · 4.625%
HK$20,270
+HK$1,163/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,214/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,002
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,538
−HK$545/mo
Today · 4.125%
HK$21,083
baseline
▲ 0.50% · 4.625%
HK$22,194
+HK$1,111/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,166/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,117
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,836
−HK$730/mo
Today · 4.125%
HK$24,566
baseline
▲ 0.50% · 4.625%
HK$26,061
+HK$1,495/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,132/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,717
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,407
−HK$699/mo
Today · 4.125%
HK$27,106
baseline
▲ 0.50% · 4.625%
HK$28,535
+HK$1,429/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,212/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,722 · 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).