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$12,851
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,250
−HK$406/mo
Today · 4.125%
HK$13,656
baseline
▲ 0.50% · 4.625%
HK$14,487
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,312/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,296
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,680
−HK$389/mo
Today · 4.125%
HK$15,069
baseline
▲ 0.50% · 4.625%
HK$15,863
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,138/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,421
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,900
−HK$488/mo
Today · 4.125%
HK$16,388
baseline
▲ 0.50% · 4.625%
HK$17,385
+HK$997/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,776/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,155
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,615
−HK$467/mo
Today · 4.125%
HK$18,082
baseline
▲ 0.50% · 4.625%
HK$19,035
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,164/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,991
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,550
−HK$569/mo
Today · 4.125%
HK$19,119
baseline
▲ 0.50% · 4.625%
HK$20,282
+HK$1,163/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,238/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,015
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,551
−HK$545/mo
Today · 4.125%
HK$21,096
baseline
▲ 0.50% · 4.625%
HK$22,208
+HK$1,112/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,192/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,131
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,851
−HK$731/mo
Today · 4.125%
HK$24,582
baseline
▲ 0.50% · 4.625%
HK$26,077
+HK$1,495/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$49,164/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,733
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,423
−HK$700/mo
Today · 4.125%
HK$27,123
baseline
▲ 0.50% · 4.625%
HK$28,553
+HK$1,430/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$54,246/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,801 · 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).