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$12,868
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,268
−HK$407/mo
Today · 4.125%
HK$13,675
baseline
▲ 0.50% · 4.625%
HK$14,507
+HK$832/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,350/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,316
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,700
−HK$389/mo
Today · 4.125%
HK$15,089
baseline
▲ 0.50% · 4.625%
HK$15,885
+HK$796/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,178/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,442
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,922
−HK$488/mo
Today · 4.125%
HK$16,410
baseline
▲ 0.50% · 4.625%
HK$17,409
+HK$999/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,820/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,179
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,640
−HK$467/mo
Today · 4.125%
HK$18,107
baseline
▲ 0.50% · 4.625%
HK$19,061
+HK$954/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,214/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,015
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,576
−HK$569/mo
Today · 4.125%
HK$19,145
baseline
▲ 0.50% · 4.625%
HK$20,310
+HK$1,165/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,290/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,042
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,580
−HK$545/mo
Today · 4.125%
HK$21,125
baseline
▲ 0.50% · 4.625%
HK$22,238
+HK$1,113/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,250/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,163
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,883
−HK$732/mo
Today · 4.125%
HK$24,615
baseline
▲ 0.50% · 4.625%
HK$26,113
+HK$1,498/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$49,230/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,768
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,459
−HK$701/mo
Today · 4.125%
HK$27,160
baseline
▲ 0.50% · 4.625%
HK$28,592
+HK$1,432/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$54,320/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,975 · 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).