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$12,853
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,253
−HK$406/mo
Today · 4.125%
HK$13,659
baseline
▲ 0.50% · 4.625%
HK$14,490
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,318/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,299
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,683
−HK$389/mo
Today · 4.125%
HK$15,072
baseline
▲ 0.50% · 4.625%
HK$15,866
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,144/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,424
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,904
−HK$487/mo
Today · 4.125%
HK$16,391
baseline
▲ 0.50% · 4.625%
HK$17,388
+HK$997/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,782/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,159
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,619
−HK$467/mo
Today · 4.125%
HK$18,086
baseline
▲ 0.50% · 4.625%
HK$19,039
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,172/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,994
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,554
−HK$569/mo
Today · 4.125%
HK$19,123
baseline
▲ 0.50% · 4.625%
HK$20,286
+HK$1,163/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,246/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,019
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,556
−HK$544/mo
Today · 4.125%
HK$21,100
baseline
▲ 0.50% · 4.625%
HK$22,212
+HK$1,112/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,200/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,136
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,855
−HK$732/mo
Today · 4.125%
HK$24,587
baseline
▲ 0.50% · 4.625%
HK$26,083
+HK$1,496/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$49,174/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,738
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,429
−HK$700/mo
Today · 4.125%
HK$27,129
baseline
▲ 0.50% · 4.625%
HK$28,559
+HK$1,430/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$54,258/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,827 · 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).