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$12,875
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,276
−HK$406/mo
Today · 4.125%
HK$13,682
baseline
▲ 0.50% · 4.625%
HK$14,515
+HK$833/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,364/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,323
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,708
−HK$389/mo
Today · 4.125%
HK$15,097
baseline
▲ 0.50% · 4.625%
HK$15,893
+HK$796/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,194/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,450
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,931
−HK$488/mo
Today · 4.125%
HK$16,419
baseline
▲ 0.50% · 4.625%
HK$17,418
+HK$999/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,838/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,188
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,649
−HK$468/mo
Today · 4.125%
HK$18,117
baseline
▲ 0.50% · 4.625%
HK$19,072
+HK$955/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,234/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,025
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,586
−HK$569/mo
Today · 4.125%
HK$19,155
baseline
▲ 0.50% · 4.625%
HK$20,321
+HK$1,166/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,310/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,053
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,591
−HK$545/mo
Today · 4.125%
HK$21,136
baseline
▲ 0.50% · 4.625%
HK$22,250
+HK$1,114/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,272/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,175
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,896
−HK$732/mo
Today · 4.125%
HK$24,628
baseline
▲ 0.50% · 4.625%
HK$26,127
+HK$1,499/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$49,256/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,782
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,474
−HK$701/mo
Today · 4.125%
HK$27,175
baseline
▲ 0.50% · 4.625%
HK$28,608
+HK$1,433/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$54,350/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,043 · 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).