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$12,760
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,157
−HK$404/mo
Today · 4.125%
HK$13,561
baseline
▲ 0.50% · 4.625%
HK$14,386
+HK$825/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,122/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,196
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,576
−HK$387/mo
Today · 4.125%
HK$14,963
baseline
▲ 0.50% · 4.625%
HK$15,751
+HK$788/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,926/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,312
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,789
−HK$484/mo
Today · 4.125%
HK$16,273
baseline
▲ 0.50% · 4.625%
HK$17,263
+HK$990/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,546/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,035
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,492
−HK$463/mo
Today · 4.125%
HK$17,955
baseline
▲ 0.50% · 4.625%
HK$18,902
+HK$947/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,910/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,864
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,420
−HK$565/mo
Today · 4.125%
HK$18,985
baseline
▲ 0.50% · 4.625%
HK$20,140
+HK$1,155/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$37,970/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,874
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,407
−HK$541/mo
Today · 4.125%
HK$20,948
baseline
▲ 0.50% · 4.625%
HK$22,052
+HK$1,104/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,896/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,969
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,683
−HK$726/mo
Today · 4.125%
HK$24,409
baseline
▲ 0.50% · 4.625%
HK$25,894
+HK$1,485/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,818/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$125,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,552
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,238
−HK$695/mo
Today · 4.125%
HK$26,933
baseline
▲ 0.50% · 4.625%
HK$28,353
+HK$1,420/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,866/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$125,911 · 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).