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$12,863
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,263
−HK$407/mo
Today · 4.125%
HK$13,670
baseline
▲ 0.50% · 4.625%
HK$14,501
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,340/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,310
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,694
−HK$389/mo
Today · 4.125%
HK$15,083
baseline
▲ 0.50% · 4.625%
HK$15,878
+HK$795/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,166/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,435
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,916
−HK$487/mo
Today · 4.125%
HK$16,403
baseline
▲ 0.50% · 4.625%
HK$17,402
+HK$999/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$32,806/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,172
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,632
−HK$468/mo
Today · 4.125%
HK$18,100
baseline
▲ 0.50% · 4.625%
HK$19,054
+HK$954/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$36,200/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,008
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,568
−HK$569/mo
Today · 4.125%
HK$19,137
baseline
▲ 0.50% · 4.625%
HK$20,302
+HK$1,165/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,274/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,034
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,571
−HK$545/mo
Today · 4.125%
HK$21,116
baseline
▲ 0.50% · 4.625%
HK$22,229
+HK$1,113/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,232/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,153
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,873
−HK$732/mo
Today · 4.125%
HK$24,605
baseline
▲ 0.50% · 4.625%
HK$26,102
+HK$1,497/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$49,210/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,758
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,449
−HK$700/mo
Today · 4.125%
HK$27,149
baseline
▲ 0.50% · 4.625%
HK$28,580
+HK$1,431/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$54,298/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,923 · 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).