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$12,810
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,208
−HK$405/mo
Today · 4.125%
HK$13,613
baseline
▲ 0.50% · 4.625%
HK$14,441
+HK$828/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,226/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,251
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,633
−HK$388/mo
Today · 4.125%
HK$15,021
baseline
▲ 0.50% · 4.625%
HK$15,812
+HK$791/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,042/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,372
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,850
−HK$486/mo
Today · 4.125%
HK$16,336
baseline
▲ 0.50% · 4.625%
HK$17,330
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,672/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,101
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,560
−HK$465/mo
Today · 4.125%
HK$18,025
baseline
▲ 0.50% · 4.625%
HK$18,975
+HK$950/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,050/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,934
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,492
−HK$566/mo
Today · 4.125%
HK$19,058
baseline
▲ 0.50% · 4.625%
HK$20,218
+HK$1,160/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$38,116/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,951
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,486
−HK$543/mo
Today · 4.125%
HK$21,029
baseline
▲ 0.50% · 4.625%
HK$22,137
+HK$1,108/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$42,058/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,058
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,775
−HK$729/mo
Today · 4.125%
HK$24,504
baseline
▲ 0.50% · 4.625%
HK$25,995
+HK$1,491/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,008/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,651
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,339
−HK$698/mo
Today · 4.125%
HK$27,037
baseline
▲ 0.50% · 4.625%
HK$28,462
+HK$1,425/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,074/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,399 · 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).