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$12,808
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,206
−HK$405/mo
Today · 4.125%
HK$13,611
baseline
▲ 0.50% · 4.625%
HK$14,439
+HK$828/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,222/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,249
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,631
−HK$388/mo
Today · 4.125%
HK$15,019
baseline
▲ 0.50% · 4.625%
HK$15,810
+HK$791/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,038/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,370
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,848
−HK$485/mo
Today · 4.125%
HK$16,333
baseline
▲ 0.50% · 4.625%
HK$17,327
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,666/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,099
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,557
−HK$465/mo
Today · 4.125%
HK$18,022
baseline
▲ 0.50% · 4.625%
HK$18,972
+HK$950/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,044/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,931
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,489
−HK$567/mo
Today · 4.125%
HK$19,056
baseline
▲ 0.50% · 4.625%
HK$20,215
+HK$1,159/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$38,112/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,948
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,483
−HK$543/mo
Today · 4.125%
HK$21,026
baseline
▲ 0.50% · 4.625%
HK$22,134
+HK$1,108/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$42,052/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,054
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,772
−HK$728/mo
Today · 4.125%
HK$24,500
baseline
▲ 0.50% · 4.625%
HK$25,991
+HK$1,491/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,000/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,648
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,336
−HK$698/mo
Today · 4.125%
HK$27,034
baseline
▲ 0.50% · 4.625%
HK$28,459
+HK$1,425/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,068/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,381 · 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).