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$12,817
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,215
−HK$405/mo
Today · 4.125%
HK$13,620
baseline
▲ 0.50% · 4.625%
HK$14,449
+HK$829/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,240/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,258
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,641
−HK$388/mo
Today · 4.125%
HK$15,029
baseline
▲ 0.50% · 4.625%
HK$15,821
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,058/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,380
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,858
−HK$486/mo
Today · 4.125%
HK$16,344
baseline
▲ 0.50% · 4.625%
HK$17,339
+HK$995/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,688/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,110
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,569
−HK$466/mo
Today · 4.125%
HK$18,035
baseline
▲ 0.50% · 4.625%
HK$18,985
+HK$950/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,070/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,943
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,501
−HK$568/mo
Today · 4.125%
HK$19,069
baseline
▲ 0.50% · 4.625%
HK$20,229
+HK$1,160/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$38,138/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,962
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,497
−HK$543/mo
Today · 4.125%
HK$21,040
baseline
▲ 0.50% · 4.625%
HK$22,149
+HK$1,109/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$42,080/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,070
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,788
−HK$729/mo
Today · 4.125%
HK$24,517
baseline
▲ 0.50% · 4.625%
HK$26,008
+HK$1,491/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,034/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,665
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,353
−HK$699/mo
Today · 4.125%
HK$27,052
baseline
▲ 0.50% · 4.625%
HK$28,478
+HK$1,426/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,104/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,467 · 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).