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$12,872
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,272
−HK$407/mo
Today · 4.125%
HK$13,679
baseline
▲ 0.50% · 4.625%
HK$14,511
+HK$832/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,358/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,320
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,704
−HK$389/mo
Today · 4.125%
HK$15,093
baseline
▲ 0.50% · 4.625%
HK$15,889
+HK$796/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,186/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,446
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,927
−HK$488/mo
Today · 4.125%
HK$16,415
baseline
▲ 0.50% · 4.625%
HK$17,414
+HK$999/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,830/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$127,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,184
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,645
−HK$467/mo
Today · 4.125%
HK$18,112
baseline
▲ 0.50% · 4.625%
HK$19,067
+HK$955/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,224/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$127,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,020
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,581
−HK$570/mo
Today · 4.125%
HK$19,151
baseline
▲ 0.50% · 4.625%
HK$20,316
+HK$1,165/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,302/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,048
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,585
−HK$546/mo
Today · 4.125%
HK$21,131
baseline
▲ 0.50% · 4.625%
HK$22,245
+HK$1,114/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,262/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,169
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,890
−HK$732/mo
Today · 4.125%
HK$24,622
baseline
▲ 0.50% · 4.625%
HK$26,120
+HK$1,498/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$49,244/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$127,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,776
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,467
−HK$701/mo
Today · 4.125%
HK$27,168
baseline
▲ 0.50% · 4.625%
HK$28,600
+HK$1,432/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$54,336/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$127,010 · 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).