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$12,871
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,271
−HK$407/mo
Today · 4.125%
HK$13,678
baseline
▲ 0.50% · 4.625%
HK$14,510
+HK$832/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,356/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,319
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,703
−HK$389/mo
Today · 4.125%
HK$15,092
baseline
▲ 0.50% · 4.625%
HK$15,888
+HK$796/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,184/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,445
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,926
−HK$488/mo
Today · 4.125%
HK$16,414
baseline
▲ 0.50% · 4.625%
HK$17,412
+HK$998/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,828/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$127,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,183
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,643
−HK$468/mo
Today · 4.125%
HK$18,111
baseline
▲ 0.50% · 4.625%
HK$19,066
+HK$955/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,222/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$127,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,019
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,580
−HK$569/mo
Today · 4.125%
HK$19,149
baseline
▲ 0.50% · 4.625%
HK$20,315
+HK$1,166/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,298/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,046
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,584
−HK$545/mo
Today · 4.125%
HK$21,129
baseline
▲ 0.50% · 4.625%
HK$22,243
+HK$1,114/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,258/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,168
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,888
−HK$733/mo
Today · 4.125%
HK$24,621
baseline
▲ 0.50% · 4.625%
HK$26,119
+HK$1,498/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$49,242/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$127,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,774
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,465
−HK$701/mo
Today · 4.125%
HK$27,166
baseline
▲ 0.50% · 4.625%
HK$28,598
+HK$1,432/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$54,332/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$127,002 · 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).