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$12,753
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,150
−HK$403/mo
Today · 4.125%
HK$13,553
baseline
▲ 0.50% · 4.625%
HK$14,378
+HK$825/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,106/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,188
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,568
−HK$386/mo
Today · 4.125%
HK$14,954
baseline
▲ 0.50% · 4.625%
HK$15,743
+HK$789/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,908/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,304
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,780
−HK$484/mo
Today · 4.125%
HK$16,264
baseline
▲ 0.50% · 4.625%
HK$17,253
+HK$989/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,528/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,026
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,482
−HK$463/mo
Today · 4.125%
HK$17,945
baseline
▲ 0.50% · 4.625%
HK$18,891
+HK$946/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,890/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,855
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,410
−HK$564/mo
Today · 4.125%
HK$18,974
baseline
▲ 0.50% · 4.625%
HK$20,129
+HK$1,155/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$37,948/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,863
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,396
−HK$540/mo
Today · 4.125%
HK$20,936
baseline
▲ 0.50% · 4.625%
HK$22,040
+HK$1,104/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,872/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,956
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,670
−HK$726/mo
Today · 4.125%
HK$24,396
baseline
▲ 0.50% · 4.625%
HK$25,880
+HK$1,484/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,792/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,538
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,223
−HK$695/mo
Today · 4.125%
HK$26,918
baseline
▲ 0.50% · 4.625%
HK$28,337
+HK$1,419/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,836/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,842 · 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).