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$12,770
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,167
−HK$404/mo
Today · 4.125%
HK$13,571
baseline
▲ 0.50% · 4.625%
HK$14,396
+HK$825/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,142/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,206
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,587
−HK$387/mo
Today · 4.125%
HK$14,974
baseline
▲ 0.50% · 4.625%
HK$15,763
+HK$789/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,948/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,324
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,800
−HK$485/mo
Today · 4.125%
HK$16,285
baseline
▲ 0.50% · 4.625%
HK$17,276
+HK$991/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,570/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,048
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,505
−HK$464/mo
Today · 4.125%
HK$17,969
baseline
▲ 0.50% · 4.625%
HK$18,916
+HK$947/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,938/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,878
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,434
−HK$565/mo
Today · 4.125%
HK$18,999
baseline
▲ 0.50% · 4.625%
HK$20,155
+HK$1,156/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$37,998/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,889
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,422
−HK$541/mo
Today · 4.125%
HK$20,963
baseline
▲ 0.50% · 4.625%
HK$22,068
+HK$1,105/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,926/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,986
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,701
−HK$726/mo
Today · 4.125%
HK$24,427
baseline
▲ 0.50% · 4.625%
HK$25,913
+HK$1,486/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,854/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,571
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,257
−HK$696/mo
Today · 4.125%
HK$26,953
baseline
▲ 0.50% · 4.625%
HK$28,374
+HK$1,421/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,906/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,004 · 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).