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$12,833
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,233
−HK$405/mo
Today · 4.125%
HK$13,638
baseline
▲ 0.50% · 4.625%
HK$14,468
+HK$830/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,276/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,277
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,660
−HK$388/mo
Today · 4.125%
HK$15,048
baseline
▲ 0.50% · 4.625%
HK$15,842
+HK$794/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,096/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,400
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,879
−HK$487/mo
Today · 4.125%
HK$16,366
baseline
▲ 0.50% · 4.625%
HK$17,362
+HK$996/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,732/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,132
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,592
−HK$466/mo
Today · 4.125%
HK$18,058
baseline
▲ 0.50% · 4.625%
HK$19,010
+HK$952/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,116/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,967
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,526
−HK$567/mo
Today · 4.125%
HK$19,093
baseline
▲ 0.50% · 4.625%
HK$20,255
+HK$1,162/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,186/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,988
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,524
−HK$544/mo
Today · 4.125%
HK$21,068
baseline
▲ 0.50% · 4.625%
HK$22,178
+HK$1,110/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,136/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,100
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,819
−HK$730/mo
Today · 4.125%
HK$24,549
baseline
▲ 0.50% · 4.625%
HK$26,042
+HK$1,493/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,098/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,699
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,388
−HK$699/mo
Today · 4.125%
HK$27,087
baseline
▲ 0.50% · 4.625%
HK$28,515
+HK$1,428/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,174/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,631 · 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).