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$12,835
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,234
−HK$406/mo
Today · 4.125%
HK$13,640
baseline
▲ 0.50% · 4.625%
HK$14,470
+HK$830/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,280/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,279
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,662
−HK$388/mo
Today · 4.125%
HK$15,050
baseline
▲ 0.50% · 4.625%
HK$15,844
+HK$794/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,100/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,402
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,881
−HK$487/mo
Today · 4.125%
HK$16,368
baseline
▲ 0.50% · 4.625%
HK$17,364
+HK$996/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,736/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,135
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,594
−HK$466/mo
Today · 4.125%
HK$18,060
baseline
▲ 0.50% · 4.625%
HK$19,012
+HK$952/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,120/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,969
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,528
−HK$568/mo
Today · 4.125%
HK$19,096
baseline
▲ 0.50% · 4.625%
HK$20,258
+HK$1,162/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,192/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,990
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,526
−HK$544/mo
Today · 4.125%
HK$21,070
baseline
▲ 0.50% · 4.625%
HK$22,181
+HK$1,111/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,140/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,103
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,822
−HK$730/mo
Today · 4.125%
HK$24,552
baseline
▲ 0.50% · 4.625%
HK$26,046
+HK$1,494/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,104/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,702
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,391
−HK$699/mo
Today · 4.125%
HK$27,090
baseline
▲ 0.50% · 4.625%
HK$28,518
+HK$1,428/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,180/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,647 · 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).