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$12,845
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,245
−HK$406/mo
Today · 4.125%
HK$13,651
baseline
▲ 0.50% · 4.625%
HK$14,481
+HK$830/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,302/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,290
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,674
−HK$388/mo
Today · 4.125%
HK$15,062
baseline
▲ 0.50% · 4.625%
HK$15,856
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,124/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,414
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,894
−HK$487/mo
Today · 4.125%
HK$16,381
baseline
▲ 0.50% · 4.625%
HK$17,378
+HK$997/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,762/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,148
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,608
−HK$467/mo
Today · 4.125%
HK$18,075
baseline
▲ 0.50% · 4.625%
HK$19,028
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,150/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,983
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,543
−HK$568/mo
Today · 4.125%
HK$19,111
baseline
▲ 0.50% · 4.625%
HK$20,274
+HK$1,163/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,222/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,006
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,543
−HK$544/mo
Today · 4.125%
HK$21,087
baseline
▲ 0.50% · 4.625%
HK$22,199
+HK$1,112/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,174/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,122
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,841
−HK$730/mo
Today · 4.125%
HK$24,571
baseline
▲ 0.50% · 4.625%
HK$26,067
+HK$1,496/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,142/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,722
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,412
−HK$700/mo
Today · 4.125%
HK$27,112
baseline
▲ 0.50% · 4.625%
HK$28,541
+HK$1,429/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,224/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,749 · 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).