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$12,869
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,270
−HK$407/mo
Today · 4.125%
HK$13,677
baseline
▲ 0.50% · 4.625%
HK$14,509
+HK$832/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,354/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,317
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,701
−HK$390/mo
Today · 4.125%
HK$15,091
baseline
▲ 0.50% · 4.625%
HK$15,886
+HK$795/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,182/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,443
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,924
−HK$488/mo
Today · 4.125%
HK$16,412
baseline
▲ 0.50% · 4.625%
HK$17,410
+HK$998/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,824/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,181
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,641
−HK$468/mo
Today · 4.125%
HK$18,109
baseline
▲ 0.50% · 4.625%
HK$19,063
+HK$954/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,218/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,017
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,578
−HK$569/mo
Today · 4.125%
HK$19,147
baseline
▲ 0.50% · 4.625%
HK$20,312
+HK$1,165/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,294/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,044
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,582
−HK$545/mo
Today · 4.125%
HK$21,127
baseline
▲ 0.50% · 4.625%
HK$22,241
+HK$1,114/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,254/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,165
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,886
−HK$732/mo
Today · 4.125%
HK$24,618
baseline
▲ 0.50% · 4.625%
HK$26,116
+HK$1,498/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$49,236/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,771
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,462
−HK$701/mo
Today · 4.125%
HK$27,163
baseline
▲ 0.50% · 4.625%
HK$28,595
+HK$1,432/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$54,326/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,988 · 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).