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$12,840
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,239
−HK$406/mo
Today · 4.125%
HK$13,645
baseline
▲ 0.50% · 4.625%
HK$14,475
+HK$830/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,290/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,284
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,667
−HK$389/mo
Today · 4.125%
HK$15,056
baseline
▲ 0.50% · 4.625%
HK$15,850
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,112/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,408
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,887
−HK$487/mo
Today · 4.125%
HK$16,374
baseline
▲ 0.50% · 4.625%
HK$17,370
+HK$996/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,748/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,141
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,601
−HK$466/mo
Today · 4.125%
HK$18,067
baseline
▲ 0.50% · 4.625%
HK$19,019
+HK$952/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,134/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,976
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,535
−HK$568/mo
Today · 4.125%
HK$19,103
baseline
▲ 0.50% · 4.625%
HK$20,265
+HK$1,162/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,206/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,998
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,534
−HK$544/mo
Today · 4.125%
HK$21,078
baseline
▲ 0.50% · 4.625%
HK$22,189
+HK$1,111/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,156/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,112
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,831
−HK$730/mo
Today · 4.125%
HK$24,561
baseline
▲ 0.50% · 4.625%
HK$26,055
+HK$1,494/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,122/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,712
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,401
−HK$700/mo
Today · 4.125%
HK$27,101
baseline
▲ 0.50% · 4.625%
HK$28,529
+HK$1,428/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,202/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,695 · 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).