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$12,749
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,146
−HK$402/mo
Today · 4.125%
HK$13,548
baseline
▲ 0.50% · 4.625%
HK$14,373
+HK$825/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,096/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,183
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,564
−HK$385/mo
Today · 4.125%
HK$14,949
baseline
▲ 0.50% · 4.625%
HK$15,737
+HK$788/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,898/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,299
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,775
−HK$483/mo
Today · 4.125%
HK$16,258
baseline
▲ 0.50% · 4.625%
HK$17,247
+HK$989/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$32,516/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,020
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,476
−HK$463/mo
Today · 4.125%
HK$17,939
baseline
▲ 0.50% · 4.625%
HK$18,885
+HK$946/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$35,878/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,849
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,404
−HK$564/mo
Today · 4.125%
HK$18,968
baseline
▲ 0.50% · 4.625%
HK$20,122
+HK$1,154/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,936/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,856
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,389
−HK$540/mo
Today · 4.125%
HK$20,929
baseline
▲ 0.50% · 4.625%
HK$22,032
+HK$1,103/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,858/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,948
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,662
−HK$725/mo
Today · 4.125%
HK$24,387
baseline
▲ 0.50% · 4.625%
HK$25,871
+HK$1,484/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,774/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,530
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,214
−HK$695/mo
Today · 4.125%
HK$26,909
baseline
▲ 0.50% · 4.625%
HK$28,327
+HK$1,418/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,818/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,799 · 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).