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$12,822
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,221
−HK$405/mo
Today · 4.125%
HK$13,626
baseline
▲ 0.50% · 4.625%
HK$14,456
+HK$830/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,252/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,265
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,647
−HK$388/mo
Today · 4.125%
HK$15,035
baseline
▲ 0.50% · 4.625%
HK$15,828
+HK$793/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,070/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,387
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,865
−HK$487/mo
Today · 4.125%
HK$16,352
baseline
▲ 0.50% · 4.625%
HK$17,347
+HK$995/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,704/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,118
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,577
−HK$466/mo
Today · 4.125%
HK$18,043
baseline
▲ 0.50% · 4.625%
HK$18,994
+HK$951/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,086/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,951
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,510
−HK$567/mo
Today · 4.125%
HK$19,077
baseline
▲ 0.50% · 4.625%
HK$20,238
+HK$1,161/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,154/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,971
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,506
−HK$544/mo
Today · 4.125%
HK$21,050
baseline
▲ 0.50% · 4.625%
HK$22,159
+HK$1,109/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,100/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,080
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,798
−HK$730/mo
Today · 4.125%
HK$24,528
baseline
▲ 0.50% · 4.625%
HK$26,020
+HK$1,492/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,056/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,677
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,365
−HK$699/mo
Today · 4.125%
HK$27,064
baseline
▲ 0.50% · 4.625%
HK$28,490
+HK$1,426/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,128/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,523 · 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).