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$12,771
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,168
−HK$404/mo
Today · 4.125%
HK$13,572
baseline
▲ 0.50% · 4.625%
HK$14,398
+HK$826/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,144/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,208
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,589
−HK$386/mo
Today · 4.125%
HK$14,975
baseline
▲ 0.50% · 4.625%
HK$15,765
+HK$790/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,950/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,325
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,802
−HK$485/mo
Today · 4.125%
HK$16,287
baseline
▲ 0.50% · 4.625%
HK$17,278
+HK$991/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,574/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,049
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,507
−HK$464/mo
Today · 4.125%
HK$17,971
baseline
▲ 0.50% · 4.625%
HK$18,918
+HK$947/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,942/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,880
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,436
−HK$565/mo
Today · 4.125%
HK$19,001
baseline
▲ 0.50% · 4.625%
HK$20,157
+HK$1,156/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$38,002/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,891
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,424
−HK$542/mo
Today · 4.125%
HK$20,966
baseline
▲ 0.50% · 4.625%
HK$22,071
+HK$1,105/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,932/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,988
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,703
−HK$727/mo
Today · 4.125%
HK$24,430
baseline
▲ 0.50% · 4.625%
HK$25,916
+HK$1,486/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,860/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,574
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,260
−HK$696/mo
Today · 4.125%
HK$26,956
baseline
▲ 0.50% · 4.625%
HK$28,377
+HK$1,421/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,912/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,018 · 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).