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$800/mo
▼ 0.25% · 3.875%
HK$13,151
−HK$403/mo
Today · 4.125%
HK$13,554
baseline
▲ 0.50% · 4.625%
HK$14,379
+HK$825/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,108/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,189
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,570
−HK$386/mo
Today · 4.125%
HK$14,956
baseline
▲ 0.50% · 4.625%
HK$15,744
+HK$788/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,912/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,305
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,781
−HK$484/mo
Today · 4.125%
HK$16,265
baseline
▲ 0.50% · 4.625%
HK$17,255
+HK$990/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,530/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,027
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,484
−HK$463/mo
Today · 4.125%
HK$17,947
baseline
▲ 0.50% · 4.625%
HK$18,893
+HK$946/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,894/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,856
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,411
−HK$565/mo
Today · 4.125%
HK$18,976
baseline
▲ 0.50% · 4.625%
HK$20,130
+HK$1,154/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$37,952/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,865
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,397
−HK$541/mo
Today · 4.125%
HK$20,938
baseline
▲ 0.50% · 4.625%
HK$22,042
+HK$1,104/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,876/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,958
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,672
−HK$725/mo
Today · 4.125%
HK$24,397
baseline
▲ 0.50% · 4.625%
HK$25,882
+HK$1,485/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,794/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,540
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,225
−HK$695/mo
Today · 4.125%
HK$26,920
baseline
▲ 0.50% · 4.625%
HK$28,339
+HK$1,419/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,840/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,851 · 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).