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$12,839
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,238
−HK$406/mo
Today · 4.125%
HK$13,644
baseline
▲ 0.50% · 4.625%
HK$14,474
+HK$830/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,288/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,283
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,666
−HK$388/mo
Today · 4.125%
HK$15,054
baseline
▲ 0.50% · 4.625%
HK$15,848
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,108/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,406
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,886
−HK$486/mo
Today · 4.125%
HK$16,372
baseline
▲ 0.50% · 4.625%
HK$17,369
+HK$997/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,744/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,139
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,599
−HK$466/mo
Today · 4.125%
HK$18,065
baseline
▲ 0.50% · 4.625%
HK$19,018
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,130/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,974
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,533
−HK$568/mo
Today · 4.125%
HK$19,101
baseline
▲ 0.50% · 4.625%
HK$20,263
+HK$1,162/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,202/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,996
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,532
−HK$544/mo
Today · 4.125%
HK$21,076
baseline
▲ 0.50% · 4.625%
HK$22,187
+HK$1,111/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,152/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,110
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,828
−HK$731/mo
Today · 4.125%
HK$24,559
baseline
▲ 0.50% · 4.625%
HK$26,053
+HK$1,494/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,118/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,709
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,399
−HK$699/mo
Today · 4.125%
HK$27,098
baseline
▲ 0.50% · 4.625%
HK$28,526
+HK$1,428/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,196/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,683 · 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).