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$12,754
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,150
−HK$403/mo
Today · 4.125%
HK$13,553
baseline
▲ 0.50% · 4.625%
HK$14,378
+HK$825/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,106/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,188
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,569
−HK$386/mo
Today · 4.125%
HK$14,955
baseline
▲ 0.50% · 4.625%
HK$15,743
+HK$788/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,910/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,304
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,780
−HK$484/mo
Today · 4.125%
HK$16,264
baseline
▲ 0.50% · 4.625%
HK$17,254
+HK$990/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,528/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,026
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,482
−HK$464/mo
Today · 4.125%
HK$17,946
baseline
▲ 0.50% · 4.625%
HK$18,892
+HK$946/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,892/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,855
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,410
−HK$565/mo
Today · 4.125%
HK$18,975
baseline
▲ 0.50% · 4.625%
HK$20,129
+HK$1,154/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$37,950/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,864
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,396
−HK$541/mo
Today · 4.125%
HK$20,937
baseline
▲ 0.50% · 4.625%
HK$22,040
+HK$1,103/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,874/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,956
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,671
−HK$725/mo
Today · 4.125%
HK$24,396
baseline
▲ 0.50% · 4.625%
HK$25,880
+HK$1,484/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,792/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,539
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,224
−HK$695/mo
Today · 4.125%
HK$26,919
baseline
▲ 0.50% · 4.625%
HK$28,338
+HK$1,419/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,838/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,844 · 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).