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$126,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,283
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,666
−HK$389/mo
Today · 4.125%
HK$15,055
baseline
▲ 0.50% · 4.625%
HK$15,849
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,110/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,407
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,886
−HK$487/mo
Today · 4.125%
HK$16,373
baseline
▲ 0.50% · 4.625%
HK$17,369
+HK$996/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,746/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,140
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,600
−HK$466/mo
Today · 4.125%
HK$18,066
baseline
▲ 0.50% · 4.625%
HK$19,018
+HK$952/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,132/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,975
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,534
−HK$568/mo
Today · 4.125%
HK$19,102
baseline
▲ 0.50% · 4.625%
HK$20,264
+HK$1,162/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,204/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,997
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,533
−HK$544/mo
Today · 4.125%
HK$21,077
baseline
▲ 0.50% · 4.625%
HK$22,188
+HK$1,111/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,154/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,110
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,829
−HK$731/mo
Today · 4.125%
HK$24,560
baseline
▲ 0.50% · 4.625%
HK$26,054
+HK$1,494/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,120/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,710
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,400
−HK$699/mo
Today · 4.125%
HK$27,099
baseline
▲ 0.50% · 4.625%
HK$28,528
+HK$1,429/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,198/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,688 · 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).