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$12,805
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,203
−HK$405/mo
Today · 4.125%
HK$13,608
baseline
▲ 0.50% · 4.625%
HK$14,436
+HK$828/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,216/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,245
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,628
−HK$387/mo
Today · 4.125%
HK$15,015
baseline
▲ 0.50% · 4.625%
HK$15,807
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,030/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,366
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,844
−HK$486/mo
Today · 4.125%
HK$16,330
baseline
▲ 0.50% · 4.625%
HK$17,323
+HK$993/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,660/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,095
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,553
−HK$465/mo
Today · 4.125%
HK$18,018
baseline
▲ 0.50% · 4.625%
HK$18,968
+HK$950/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,036/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,927
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,485
−HK$566/mo
Today · 4.125%
HK$19,051
baseline
▲ 0.50% · 4.625%
HK$20,210
+HK$1,159/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,102/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,944
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,479
−HK$542/mo
Today · 4.125%
HK$21,021
baseline
▲ 0.50% · 4.625%
HK$22,129
+HK$1,108/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$42,042/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,049
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,766
−HK$728/mo
Today · 4.125%
HK$24,494
baseline
▲ 0.50% · 4.625%
HK$25,985
+HK$1,491/mo
Deposit HK$562K · loan HK$5.05M · min. income ≈ HK$48,988/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,642
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,330
−HK$697/mo
Today · 4.125%
HK$27,027
baseline
▲ 0.50% · 4.625%
HK$28,452
+HK$1,425/mo
Deposit HK$562K · loan HK$5.05M · min. income ≈ HK$54,054/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,352 · 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).