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$12,748
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,144
−HK$403/mo
Today · 4.125%
HK$13,547
baseline
▲ 0.50% · 4.625%
HK$14,371
+HK$824/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,094/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,182
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,562
−HK$386/mo
Today · 4.125%
HK$14,948
baseline
▲ 0.50% · 4.625%
HK$15,736
+HK$788/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,896/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,297
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,773
−HK$483/mo
Today · 4.125%
HK$16,256
baseline
▲ 0.50% · 4.625%
HK$17,246
+HK$990/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$32,512/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,018
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,474
−HK$463/mo
Today · 4.125%
HK$17,937
baseline
▲ 0.50% · 4.625%
HK$18,883
+HK$946/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$35,874/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,847
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,402
−HK$564/mo
Today · 4.125%
HK$18,966
baseline
▲ 0.50% · 4.625%
HK$20,120
+HK$1,154/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,932/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,854
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,387
−HK$540/mo
Today · 4.125%
HK$20,927
baseline
▲ 0.50% · 4.625%
HK$22,030
+HK$1,103/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,854/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,946
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,660
−HK$725/mo
Today · 4.125%
HK$24,385
baseline
▲ 0.50% · 4.625%
HK$25,868
+HK$1,483/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,770/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,527
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,212
−HK$694/mo
Today · 4.125%
HK$26,906
baseline
▲ 0.50% · 4.625%
HK$28,324
+HK$1,418/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,812/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,786 · 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).