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$12,855
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,255
−HK$406/mo
Today · 4.125%
HK$13,661
baseline
▲ 0.50% · 4.625%
HK$14,492
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,322/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,301
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,685
−HK$389/mo
Today · 4.125%
HK$15,074
baseline
▲ 0.50% · 4.625%
HK$15,868
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,148/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,426
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,906
−HK$487/mo
Today · 4.125%
HK$16,393
baseline
▲ 0.50% · 4.625%
HK$17,391
+HK$998/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$32,786/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,161
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,622
−HK$466/mo
Today · 4.125%
HK$18,088
baseline
▲ 0.50% · 4.625%
HK$19,042
+HK$954/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$36,176/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,997
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,557
−HK$569/mo
Today · 4.125%
HK$19,126
baseline
▲ 0.50% · 4.625%
HK$20,289
+HK$1,163/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,252/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,021
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,558
−HK$545/mo
Today · 4.125%
HK$21,103
baseline
▲ 0.50% · 4.625%
HK$22,216
+HK$1,113/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,206/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,139
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,859
−HK$731/mo
Today · 4.125%
HK$24,590
baseline
▲ 0.50% · 4.625%
HK$26,086
+HK$1,496/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$49,180/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,742
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,432
−HK$701/mo
Today · 4.125%
HK$27,133
baseline
▲ 0.50% · 4.625%
HK$28,563
+HK$1,430/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$54,266/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,845 · 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).