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$12,861
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,262
−HK$406/mo
Today · 4.125%
HK$13,668
baseline
▲ 0.50% · 4.625%
HK$14,500
+HK$832/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,336/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,308
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,692
−HK$389/mo
Today · 4.125%
HK$15,081
baseline
▲ 0.50% · 4.625%
HK$15,876
+HK$795/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,162/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,434
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,914
−HK$488/mo
Today · 4.125%
HK$16,402
baseline
▲ 0.50% · 4.625%
HK$17,400
+HK$998/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$32,804/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,170
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,630
−HK$468/mo
Today · 4.125%
HK$18,098
baseline
▲ 0.50% · 4.625%
HK$19,051
+HK$953/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$36,196/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,006
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,566
−HK$569/mo
Today · 4.125%
HK$19,135
baseline
▲ 0.50% · 4.625%
HK$20,300
+HK$1,165/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,270/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,032
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,569
−HK$545/mo
Today · 4.125%
HK$21,114
baseline
▲ 0.50% · 4.625%
HK$22,227
+HK$1,113/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,228/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,151
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,871
−HK$731/mo
Today · 4.125%
HK$24,602
baseline
▲ 0.50% · 4.625%
HK$26,099
+HK$1,497/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$49,204/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,755
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,446
−HK$700/mo
Today · 4.125%
HK$27,146
baseline
▲ 0.50% · 4.625%
HK$28,577
+HK$1,431/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$54,292/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,909 · 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).