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$12,824
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,223
−HK$405/mo
Today · 4.125%
HK$13,628
baseline
▲ 0.50% · 4.625%
HK$14,457
+HK$829/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,256/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,267
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,649
−HK$388/mo
Today · 4.125%
HK$15,037
baseline
▲ 0.50% · 4.625%
HK$15,830
+HK$793/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,074/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,389
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,867
−HK$487/mo
Today · 4.125%
HK$16,354
baseline
▲ 0.50% · 4.625%
HK$17,349
+HK$995/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,708/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,120
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,579
−HK$466/mo
Today · 4.125%
HK$18,045
baseline
▲ 0.50% · 4.625%
HK$18,996
+HK$951/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,090/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,954
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,512
−HK$567/mo
Today · 4.125%
HK$19,079
baseline
▲ 0.50% · 4.625%
HK$20,240
+HK$1,161/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,158/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,973
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,509
−HK$543/mo
Today · 4.125%
HK$21,052
baseline
▲ 0.50% · 4.625%
HK$22,162
+HK$1,110/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,104/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,083
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,801
−HK$730/mo
Today · 4.125%
HK$24,531
baseline
▲ 0.50% · 4.625%
HK$26,023
+HK$1,492/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,062/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,680
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,369
−HK$698/mo
Today · 4.125%
HK$27,067
baseline
▲ 0.50% · 4.625%
HK$28,494
+HK$1,427/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,134/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,539 · 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).