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$12,781
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,178
−HK$404/mo
Today · 4.125%
HK$13,582
baseline
▲ 0.50% · 4.625%
HK$14,409
+HK$827/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,164/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,219
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,600
−HK$387/mo
Today · 4.125%
HK$14,987
baseline
▲ 0.50% · 4.625%
HK$15,777
+HK$790/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,974/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,337
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,814
−HK$485/mo
Today · 4.125%
HK$16,299
baseline
▲ 0.50% · 4.625%
HK$17,291
+HK$992/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,598/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,062
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,520
−HK$464/mo
Today · 4.125%
HK$17,984
baseline
▲ 0.50% · 4.625%
HK$18,932
+HK$948/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,968/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,893
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,450
−HK$565/mo
Today · 4.125%
HK$19,015
baseline
▲ 0.50% · 4.625%
HK$20,172
+HK$1,157/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$38,030/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,906
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,440
−HK$542/mo
Today · 4.125%
HK$20,982
baseline
▲ 0.50% · 4.625%
HK$22,087
+HK$1,105/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,964/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,006
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,721
−HK$727/mo
Today · 4.125%
HK$24,448
baseline
▲ 0.50% · 4.625%
HK$25,936
+HK$1,488/mo
Deposit HK$561K · loan HK$5.04M · min. income ≈ HK$48,896/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,593
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,280
−HK$696/mo
Today · 4.125%
HK$26,976
baseline
▲ 0.50% · 4.625%
HK$28,398
+HK$1,422/mo
Deposit HK$561K · loan HK$5.04M · min. income ≈ HK$53,952/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,113 · 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).