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$12,873
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,273
−HK$407/mo
Today · 4.125%
HK$13,680
baseline
▲ 0.50% · 4.625%
HK$14,512
+HK$832/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,360/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,321
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,705
−HK$390/mo
Today · 4.125%
HK$15,095
baseline
▲ 0.50% · 4.625%
HK$15,890
+HK$795/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,190/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,447
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,928
−HK$488/mo
Today · 4.125%
HK$16,416
baseline
▲ 0.50% · 4.625%
HK$17,415
+HK$999/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,832/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,185
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,646
−HK$467/mo
Today · 4.125%
HK$18,113
baseline
▲ 0.50% · 4.625%
HK$19,068
+HK$955/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,226/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,022
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,582
−HK$570/mo
Today · 4.125%
HK$19,152
baseline
▲ 0.50% · 4.625%
HK$20,317
+HK$1,165/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,304/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,049
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,587
−HK$545/mo
Today · 4.125%
HK$21,132
baseline
▲ 0.50% · 4.625%
HK$22,246
+HK$1,114/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,264/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,171
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,892
−HK$732/mo
Today · 4.125%
HK$24,624
baseline
▲ 0.50% · 4.625%
HK$26,122
+HK$1,498/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$49,248/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,777
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,469
−HK$701/mo
Today · 4.125%
HK$27,170
baseline
▲ 0.50% · 4.625%
HK$28,602
+HK$1,432/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$54,340/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,020 · 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).