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$12,849
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,249
−HK$406/mo
Today · 4.125%
HK$13,655
baseline
▲ 0.50% · 4.625%
HK$14,486
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,310/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,295
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,678
−HK$389/mo
Today · 4.125%
HK$15,067
baseline
▲ 0.50% · 4.625%
HK$15,861
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,134/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,419
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,899
−HK$487/mo
Today · 4.125%
HK$16,386
baseline
▲ 0.50% · 4.625%
HK$17,383
+HK$997/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,772/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,154
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,614
−HK$466/mo
Today · 4.125%
HK$18,080
baseline
▲ 0.50% · 4.625%
HK$19,033
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,160/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,989
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,548
−HK$569/mo
Today · 4.125%
HK$19,117
baseline
▲ 0.50% · 4.625%
HK$20,280
+HK$1,163/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,234/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,013
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,549
−HK$545/mo
Today · 4.125%
HK$21,094
baseline
▲ 0.50% · 4.625%
HK$22,206
+HK$1,112/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,188/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,129
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,848
−HK$731/mo
Today · 4.125%
HK$24,579
baseline
▲ 0.50% · 4.625%
HK$26,075
+HK$1,496/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$49,158/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,730
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,420
−HK$701/mo
Today · 4.125%
HK$27,121
baseline
▲ 0.50% · 4.625%
HK$28,550
+HK$1,429/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$54,242/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,788 · 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).