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$12,838
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,237
−HK$406/mo
Today · 4.125%
HK$13,643
baseline
▲ 0.50% · 4.625%
HK$14,473
+HK$830/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,286/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,282
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,665
−HK$389/mo
Today · 4.125%
HK$15,054
baseline
▲ 0.50% · 4.625%
HK$15,847
+HK$793/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,108/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,405
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,885
−HK$486/mo
Today · 4.125%
HK$16,371
baseline
▲ 0.50% · 4.625%
HK$17,368
+HK$997/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,742/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,138
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,598
−HK$466/mo
Today · 4.125%
HK$18,064
baseline
▲ 0.50% · 4.625%
HK$19,016
+HK$952/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,128/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,973
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,532
−HK$568/mo
Today · 4.125%
HK$19,100
baseline
▲ 0.50% · 4.625%
HK$20,262
+HK$1,162/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,200/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,995
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,531
−HK$544/mo
Today · 4.125%
HK$21,075
baseline
▲ 0.50% · 4.625%
HK$22,186
+HK$1,111/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,150/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,108
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,827
−HK$730/mo
Today · 4.125%
HK$24,557
baseline
▲ 0.50% · 4.625%
HK$26,051
+HK$1,494/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,114/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,707
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,397
−HK$699/mo
Today · 4.125%
HK$27,096
baseline
▲ 0.50% · 4.625%
HK$28,525
+HK$1,429/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,192/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,675 · 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).