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$12,834
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,234
−HK$405/mo
Today · 4.125%
HK$13,639
baseline
▲ 0.50% · 4.625%
HK$14,469
+HK$830/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,278/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,278
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,661
−HK$388/mo
Today · 4.125%
HK$15,049
baseline
▲ 0.50% · 4.625%
HK$15,843
+HK$794/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,098/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,401
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,880
−HK$487/mo
Today · 4.125%
HK$16,367
baseline
▲ 0.50% · 4.625%
HK$17,363
+HK$996/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,734/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,134
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,593
−HK$466/mo
Today · 4.125%
HK$18,059
baseline
▲ 0.50% · 4.625%
HK$19,011
+HK$952/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,118/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,968
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,527
−HK$568/mo
Today · 4.125%
HK$19,095
baseline
▲ 0.50% · 4.625%
HK$20,257
+HK$1,162/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,190/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,989
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,525
−HK$544/mo
Today · 4.125%
HK$21,069
baseline
▲ 0.50% · 4.625%
HK$22,180
+HK$1,111/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,138/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,102
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,820
−HK$731/mo
Today · 4.125%
HK$24,551
baseline
▲ 0.50% · 4.625%
HK$26,044
+HK$1,493/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,102/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,701
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,390
−HK$699/mo
Today · 4.125%
HK$27,089
baseline
▲ 0.50% · 4.625%
HK$28,517
+HK$1,428/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,178/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,641 · 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).