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$12,764
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,161
−HK$404/mo
Today · 4.125%
HK$13,565
baseline
▲ 0.50% · 4.625%
HK$14,390
+HK$825/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,130/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,200
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,581
−HK$386/mo
Today · 4.125%
HK$14,967
baseline
▲ 0.50% · 4.625%
HK$15,756
+HK$789/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,934/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,317
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,793
−HK$484/mo
Today · 4.125%
HK$16,277
baseline
▲ 0.50% · 4.625%
HK$17,268
+HK$991/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,554/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$125,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,040
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,497
−HK$464/mo
Today · 4.125%
HK$17,961
baseline
▲ 0.50% · 4.625%
HK$18,907
+HK$946/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,922/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$125,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,870
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,426
−HK$564/mo
Today · 4.125%
HK$18,990
baseline
▲ 0.50% · 4.625%
HK$20,146
+HK$1,156/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$37,980/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$125,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,880
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,413
−HK$541/mo
Today · 4.125%
HK$20,954
baseline
▲ 0.50% · 4.625%
HK$22,058
+HK$1,104/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,908/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$125,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,975
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,690
−HK$726/mo
Today · 4.125%
HK$24,416
baseline
▲ 0.50% · 4.625%
HK$25,902
+HK$1,486/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,832/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$125,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,560
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,245
−HK$696/mo
Today · 4.125%
HK$26,941
baseline
▲ 0.50% · 4.625%
HK$28,361
+HK$1,420/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,882/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$125,948 · 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).