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$12,836
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,235
−HK$406/mo
Today · 4.125%
HK$13,641
baseline
▲ 0.50% · 4.625%
HK$14,471
+HK$830/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,282/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,280
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,663
−HK$388/mo
Today · 4.125%
HK$15,051
baseline
▲ 0.50% · 4.625%
HK$15,844
+HK$793/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,102/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,403
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,882
−HK$487/mo
Today · 4.125%
HK$16,369
baseline
▲ 0.50% · 4.625%
HK$17,365
+HK$996/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,738/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,136
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,595
−HK$466/mo
Today · 4.125%
HK$18,061
baseline
▲ 0.50% · 4.625%
HK$19,013
+HK$952/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,122/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,970
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,529
−HK$568/mo
Today · 4.125%
HK$19,097
baseline
▲ 0.50% · 4.625%
HK$20,259
+HK$1,162/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,194/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,991
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,528
−HK$544/mo
Today · 4.125%
HK$21,072
baseline
▲ 0.50% · 4.625%
HK$22,182
+HK$1,110/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,144/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,104
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,823
−HK$730/mo
Today · 4.125%
HK$24,553
baseline
▲ 0.50% · 4.625%
HK$26,047
+HK$1,494/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,106/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,703
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,393
−HK$699/mo
Today · 4.125%
HK$27,092
baseline
▲ 0.50% · 4.625%
HK$28,520
+HK$1,428/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,184/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,655 · 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).