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$12,853
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,252
−HK$407/mo
Today · 4.125%
HK$13,659
baseline
▲ 0.50% · 4.625%
HK$14,490
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,318/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,298
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,682
−HK$389/mo
Today · 4.125%
HK$15,071
baseline
▲ 0.50% · 4.625%
HK$15,865
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,142/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,423
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,903
−HK$487/mo
Today · 4.125%
HK$16,390
baseline
▲ 0.50% · 4.625%
HK$17,388
+HK$998/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,780/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,158
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,618
−HK$467/mo
Today · 4.125%
HK$18,085
baseline
▲ 0.50% · 4.625%
HK$19,038
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,170/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,994
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,553
−HK$569/mo
Today · 4.125%
HK$19,122
baseline
▲ 0.50% · 4.625%
HK$20,286
+HK$1,164/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,244/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,018
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,555
−HK$544/mo
Today · 4.125%
HK$21,099
baseline
▲ 0.50% · 4.625%
HK$22,211
+HK$1,112/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,198/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,135
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,854
−HK$731/mo
Today · 4.125%
HK$24,585
baseline
▲ 0.50% · 4.625%
HK$26,081
+HK$1,496/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$49,170/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,737
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,427
−HK$701/mo
Today · 4.125%
HK$27,128
baseline
▲ 0.50% · 4.625%
HK$28,558
+HK$1,430/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$54,256/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,821 · 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).