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$12,854
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,254
−HK$406/mo
Today · 4.125%
HK$13,660
baseline
▲ 0.50% · 4.625%
HK$14,491
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,320/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,300
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,684
−HK$389/mo
Today · 4.125%
HK$15,073
baseline
▲ 0.50% · 4.625%
HK$15,867
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,146/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,425
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,905
−HK$487/mo
Today · 4.125%
HK$16,392
baseline
▲ 0.50% · 4.625%
HK$17,390
+HK$998/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,784/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,160
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,620
−HK$467/mo
Today · 4.125%
HK$18,087
baseline
▲ 0.50% · 4.625%
HK$19,041
+HK$954/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,174/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,996
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,556
−HK$568/mo
Today · 4.125%
HK$19,124
baseline
▲ 0.50% · 4.625%
HK$20,288
+HK$1,164/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,248/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,020
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,557
−HK$545/mo
Today · 4.125%
HK$21,102
baseline
▲ 0.50% · 4.625%
HK$22,214
+HK$1,112/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,204/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,137
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,857
−HK$731/mo
Today · 4.125%
HK$24,588
baseline
▲ 0.50% · 4.625%
HK$26,085
+HK$1,497/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$49,176/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,740
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,431
−HK$700/mo
Today · 4.125%
HK$27,131
baseline
▲ 0.50% · 4.625%
HK$28,561
+HK$1,430/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$54,262/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,836 · 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).