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$12,818
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,217
−HK$405/mo
Today · 4.125%
HK$13,622
baseline
▲ 0.50% · 4.625%
HK$14,451
+HK$829/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,244/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,260
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,642
−HK$388/mo
Today · 4.125%
HK$15,030
baseline
▲ 0.50% · 4.625%
HK$15,823
+HK$793/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,060/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,382
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,860
−HK$486/mo
Today · 4.125%
HK$16,346
baseline
▲ 0.50% · 4.625%
HK$17,341
+HK$995/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,692/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,112
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,571
−HK$465/mo
Today · 4.125%
HK$18,036
baseline
▲ 0.50% · 4.625%
HK$18,987
+HK$951/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,072/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,945
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,503
−HK$568/mo
Today · 4.125%
HK$19,071
baseline
▲ 0.50% · 4.625%
HK$20,231
+HK$1,160/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$38,142/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,964
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,499
−HK$544/mo
Today · 4.125%
HK$21,043
baseline
▲ 0.50% · 4.625%
HK$22,152
+HK$1,109/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$42,086/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,072
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,790
−HK$729/mo
Today · 4.125%
HK$24,519
baseline
▲ 0.50% · 4.625%
HK$26,011
+HK$1,492/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,038/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,668
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,356
−HK$699/mo
Today · 4.125%
HK$27,055
baseline
▲ 0.50% · 4.625%
HK$28,481
+HK$1,426/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,110/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,480 · 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).