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$12,783
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,181
−HK$404/mo
Today · 4.125%
HK$13,585
baseline
▲ 0.50% · 4.625%
HK$14,412
+HK$827/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,170/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,221
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,603
−HK$387/mo
Today · 4.125%
HK$14,990
baseline
▲ 0.50% · 4.625%
HK$15,780
+HK$790/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,980/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,340
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,817
−HK$485/mo
Today · 4.125%
HK$16,302
baseline
▲ 0.50% · 4.625%
HK$17,294
+HK$992/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,604/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,066
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,523
−HK$465/mo
Today · 4.125%
HK$17,988
baseline
▲ 0.50% · 4.625%
HK$18,936
+HK$948/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,976/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,897
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,454
−HK$565/mo
Today · 4.125%
HK$19,019
baseline
▲ 0.50% · 4.625%
HK$20,176
+HK$1,157/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$38,038/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,910
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,444
−HK$542/mo
Today · 4.125%
HK$20,986
baseline
▲ 0.50% · 4.625%
HK$22,092
+HK$1,106/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,972/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,010
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,726
−HK$727/mo
Today · 4.125%
HK$24,453
baseline
▲ 0.50% · 4.625%
HK$25,941
+HK$1,488/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,906/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,599
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,285
−HK$697/mo
Today · 4.125%
HK$26,982
baseline
▲ 0.50% · 4.625%
HK$28,404
+HK$1,422/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$53,964/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,139 · 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).