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$12,807
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,205
−HK$405/mo
Today · 4.125%
HK$13,610
baseline
▲ 0.50% · 4.625%
HK$14,438
+HK$828/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,220/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,248
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,630
−HK$387/mo
Today · 4.125%
HK$15,017
baseline
▲ 0.50% · 4.625%
HK$15,809
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,034/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,368
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,846
−HK$486/mo
Today · 4.125%
HK$16,332
baseline
▲ 0.50% · 4.625%
HK$17,326
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,664/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,097
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,556
−HK$465/mo
Today · 4.125%
HK$18,021
baseline
▲ 0.50% · 4.625%
HK$18,971
+HK$950/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,042/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,930
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,487
−HK$567/mo
Today · 4.125%
HK$19,054
baseline
▲ 0.50% · 4.625%
HK$20,213
+HK$1,159/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,108/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,947
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,482
−HK$542/mo
Today · 4.125%
HK$21,024
baseline
▲ 0.50% · 4.625%
HK$22,132
+HK$1,108/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$42,048/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,052
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,770
−HK$728/mo
Today · 4.125%
HK$24,498
baseline
▲ 0.50% · 4.625%
HK$25,989
+HK$1,491/mo
Deposit HK$562K · loan HK$5.05M · min. income ≈ HK$48,996/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,646
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,333
−HK$698/mo
Today · 4.125%
HK$27,031
baseline
▲ 0.50% · 4.625%
HK$28,456
+HK$1,425/mo
Deposit HK$562K · loan HK$5.05M · min. income ≈ HK$54,062/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,371 · 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).