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$12,765
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,162
−HK$403/mo
Today · 4.125%
HK$13,565
baseline
▲ 0.50% · 4.625%
HK$14,391
+HK$826/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,130/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,201
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,582
−HK$386/mo
Today · 4.125%
HK$14,968
baseline
▲ 0.50% · 4.625%
HK$15,757
+HK$789/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,936/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,318
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,794
−HK$484/mo
Today · 4.125%
HK$16,278
baseline
▲ 0.50% · 4.625%
HK$17,269
+HK$991/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,556/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$125,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,041
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,498
−HK$464/mo
Today · 4.125%
HK$17,962
baseline
▲ 0.50% · 4.625%
HK$18,908
+HK$946/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,924/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$125,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,871
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,427
−HK$564/mo
Today · 4.125%
HK$18,991
baseline
▲ 0.50% · 4.625%
HK$20,147
+HK$1,156/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$37,982/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$125,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,881
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,414
−HK$541/mo
Today · 4.125%
HK$20,955
baseline
▲ 0.50% · 4.625%
HK$22,060
+HK$1,105/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,910/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$125,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,977
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,691
−HK$727/mo
Today · 4.125%
HK$24,418
baseline
▲ 0.50% · 4.625%
HK$25,903
+HK$1,485/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,836/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$125,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,561
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,247
−HK$695/mo
Today · 4.125%
HK$26,942
baseline
▲ 0.50% · 4.625%
HK$28,363
+HK$1,421/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,884/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$125,955 · 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).