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$12,802
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,200
−HK$405/mo
Today · 4.125%
HK$13,605
baseline
▲ 0.50% · 4.625%
HK$14,433
+HK$828/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,210/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,242
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,624
−HK$388/mo
Today · 4.125%
HK$15,012
baseline
▲ 0.50% · 4.625%
HK$15,803
+HK$791/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,024/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,362
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,840
−HK$486/mo
Today · 4.125%
HK$16,326
baseline
▲ 0.50% · 4.625%
HK$17,319
+HK$993/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,652/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,091
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,549
−HK$465/mo
Today · 4.125%
HK$18,014
baseline
▲ 0.50% · 4.625%
HK$18,963
+HK$949/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,028/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,923
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,480
−HK$567/mo
Today · 4.125%
HK$19,047
baseline
▲ 0.50% · 4.625%
HK$20,206
+HK$1,159/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,094/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,939
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,474
−HK$542/mo
Today · 4.125%
HK$21,016
baseline
▲ 0.50% · 4.625%
HK$22,124
+HK$1,108/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$42,032/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,044
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,760
−HK$729/mo
Today · 4.125%
HK$24,489
baseline
▲ 0.50% · 4.625%
HK$25,979
+HK$1,490/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,978/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,636
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,323
−HK$698/mo
Today · 4.125%
HK$27,021
baseline
▲ 0.50% · 4.625%
HK$28,445
+HK$1,424/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$54,042/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,322 · 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).