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$12,756
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,153
−HK$403/mo
Today · 4.125%
HK$13,556
baseline
▲ 0.50% · 4.625%
HK$14,381
+HK$825/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,112/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,191
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,572
−HK$386/mo
Today · 4.125%
HK$14,958
baseline
▲ 0.50% · 4.625%
HK$15,747
+HK$789/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,916/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,308
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,784
−HK$484/mo
Today · 4.125%
HK$16,268
baseline
▲ 0.50% · 4.625%
HK$17,257
+HK$989/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,536/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,030
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,486
−HK$464/mo
Today · 4.125%
HK$17,950
baseline
▲ 0.50% · 4.625%
HK$18,896
+HK$946/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,900/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,859
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,415
−HK$564/mo
Today · 4.125%
HK$18,979
baseline
▲ 0.50% · 4.625%
HK$20,134
+HK$1,155/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$37,958/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,868
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,401
−HK$540/mo
Today · 4.125%
HK$20,941
baseline
▲ 0.50% · 4.625%
HK$22,045
+HK$1,104/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,882/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,962
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,676
−HK$725/mo
Today · 4.125%
HK$24,401
baseline
▲ 0.50% · 4.625%
HK$25,886
+HK$1,485/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,802/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,545
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,230
−HK$695/mo
Today · 4.125%
HK$26,925
baseline
▲ 0.50% · 4.625%
HK$28,344
+HK$1,419/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,850/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,872 · 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).