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$12,763
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,160
−HK$404/mo
Today · 4.125%
HK$13,564
baseline
▲ 0.50% · 4.625%
HK$14,389
+HK$825/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,128/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,199
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,580
−HK$386/mo
Today · 4.125%
HK$14,966
baseline
▲ 0.50% · 4.625%
HK$15,755
+HK$789/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,932/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,316
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,792
−HK$484/mo
Today · 4.125%
HK$16,276
baseline
▲ 0.50% · 4.625%
HK$17,267
+HK$991/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,552/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,039
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,496
−HK$463/mo
Today · 4.125%
HK$17,959
baseline
▲ 0.50% · 4.625%
HK$18,906
+HK$947/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,918/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,869
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,424
−HK$565/mo
Today · 4.125%
HK$18,989
baseline
▲ 0.50% · 4.625%
HK$20,144
+HK$1,155/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$37,978/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$125,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,879
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,412
−HK$541/mo
Today · 4.125%
HK$20,953
baseline
▲ 0.50% · 4.625%
HK$22,057
+HK$1,104/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,906/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$125,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,974
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,688
−HK$726/mo
Today · 4.125%
HK$24,414
baseline
▲ 0.50% · 4.625%
HK$25,900
+HK$1,486/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,828/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$125,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,558
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,244
−HK$695/mo
Today · 4.125%
HK$26,939
baseline
▲ 0.50% · 4.625%
HK$28,359
+HK$1,420/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,878/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$125,939 · 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).