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$12,815
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,214
−HK$405/mo
Today · 4.125%
HK$13,619
baseline
▲ 0.50% · 4.625%
HK$14,448
+HK$829/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,238/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,257
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,639
−HK$388/mo
Today · 4.125%
HK$15,027
baseline
▲ 0.50% · 4.625%
HK$15,819
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,054/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,379
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,857
−HK$486/mo
Today · 4.125%
HK$16,343
baseline
▲ 0.50% · 4.625%
HK$17,337
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,686/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,109
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,567
−HK$466/mo
Today · 4.125%
HK$18,033
baseline
▲ 0.50% · 4.625%
HK$18,983
+HK$950/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,066/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,942
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,500
−HK$567/mo
Today · 4.125%
HK$19,067
baseline
▲ 0.50% · 4.625%
HK$20,227
+HK$1,160/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$38,134/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,960
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,495
−HK$543/mo
Today · 4.125%
HK$21,038
baseline
▲ 0.50% · 4.625%
HK$22,147
+HK$1,109/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$42,076/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,068
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,785
−HK$729/mo
Today · 4.125%
HK$24,514
baseline
▲ 0.50% · 4.625%
HK$26,006
+HK$1,492/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,028/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,663
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,351
−HK$698/mo
Today · 4.125%
HK$27,049
baseline
▲ 0.50% · 4.625%
HK$28,475
+HK$1,426/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,098/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,455 · 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).