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$12,842
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,241
−HK$406/mo
Today · 4.125%
HK$13,647
baseline
▲ 0.50% · 4.625%
HK$14,477
+HK$830/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,294/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,286
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,670
−HK$388/mo
Today · 4.125%
HK$15,058
baseline
▲ 0.50% · 4.625%
HK$15,852
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,116/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,410
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,890
−HK$487/mo
Today · 4.125%
HK$16,377
baseline
▲ 0.50% · 4.625%
HK$17,373
+HK$996/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,754/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,144
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,603
−HK$467/mo
Today · 4.125%
HK$18,070
baseline
▲ 0.50% · 4.625%
HK$19,022
+HK$952/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,140/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,979
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,538
−HK$568/mo
Today · 4.125%
HK$19,106
baseline
▲ 0.50% · 4.625%
HK$20,268
+HK$1,162/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,212/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,001
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,537
−HK$545/mo
Today · 4.125%
HK$21,082
baseline
▲ 0.50% · 4.625%
HK$22,193
+HK$1,111/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,164/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,115
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,834
−HK$731/mo
Today · 4.125%
HK$24,565
baseline
▲ 0.50% · 4.625%
HK$26,059
+HK$1,494/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,130/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,715
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,405
−HK$700/mo
Today · 4.125%
HK$27,105
baseline
▲ 0.50% · 4.625%
HK$28,534
+HK$1,429/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,210/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,715 · 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).