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$12,826
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,225
−HK$405/mo
Today · 4.125%
HK$13,630
baseline
▲ 0.50% · 4.625%
HK$14,460
+HK$830/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,260/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,269
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,651
−HK$389/mo
Today · 4.125%
HK$15,040
baseline
▲ 0.50% · 4.625%
HK$15,832
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,080/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,391
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,870
−HK$486/mo
Today · 4.125%
HK$16,356
baseline
▲ 0.50% · 4.625%
HK$17,352
+HK$996/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,712/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,123
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,582
−HK$466/mo
Today · 4.125%
HK$18,048
baseline
▲ 0.50% · 4.625%
HK$18,999
+HK$951/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,096/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,956
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,515
−HK$567/mo
Today · 4.125%
HK$19,082
baseline
▲ 0.50% · 4.625%
HK$20,243
+HK$1,161/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,164/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,976
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,512
−HK$544/mo
Today · 4.125%
HK$21,056
baseline
▲ 0.50% · 4.625%
HK$22,165
+HK$1,109/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,112/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,087
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,805
−HK$729/mo
Today · 4.125%
HK$24,534
baseline
▲ 0.50% · 4.625%
HK$26,027
+HK$1,493/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,068/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,684
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,373
−HK$698/mo
Today · 4.125%
HK$27,071
baseline
▲ 0.50% · 4.625%
HK$28,498
+HK$1,427/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,142/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,558 · 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).