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$12,774
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,172
−HK$403/mo
Today · 4.125%
HK$13,575
baseline
▲ 0.50% · 4.625%
HK$14,401
+HK$826/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,150/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,211
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,592
−HK$387/mo
Today · 4.125%
HK$14,979
baseline
▲ 0.50% · 4.625%
HK$15,769
+HK$790/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,958/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,329
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,806
−HK$484/mo
Today · 4.125%
HK$16,290
baseline
▲ 0.50% · 4.625%
HK$17,282
+HK$992/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,580/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,054
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,511
−HK$464/mo
Today · 4.125%
HK$17,975
baseline
▲ 0.50% · 4.625%
HK$18,922
+HK$947/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,950/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,884
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,440
−HK$566/mo
Today · 4.125%
HK$19,006
baseline
▲ 0.50% · 4.625%
HK$20,162
+HK$1,156/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$38,012/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,896
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,429
−HK$542/mo
Today · 4.125%
HK$20,971
baseline
▲ 0.50% · 4.625%
HK$22,076
+HK$1,105/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,942/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,994
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,709
−HK$727/mo
Today · 4.125%
HK$24,436
baseline
▲ 0.50% · 4.625%
HK$25,923
+HK$1,487/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,872/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,580
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,266
−HK$696/mo
Today · 4.125%
HK$26,962
baseline
▲ 0.50% · 4.625%
HK$28,384
+HK$1,422/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,924/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,049 · 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).