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$12,852
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,251
−HK$406/mo
Today · 4.125%
HK$13,657
baseline
▲ 0.50% · 4.625%
HK$14,489
+HK$832/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,314/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,297
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,681
−HK$389/mo
Today · 4.125%
HK$15,070
baseline
▲ 0.50% · 4.625%
HK$15,864
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,140/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,422
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,902
−HK$487/mo
Today · 4.125%
HK$16,389
baseline
▲ 0.50% · 4.625%
HK$17,386
+HK$997/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,778/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,157
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,617
−HK$467/mo
Today · 4.125%
HK$18,084
baseline
▲ 0.50% · 4.625%
HK$19,037
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,168/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,992
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,552
−HK$568/mo
Today · 4.125%
HK$19,120
baseline
▲ 0.50% · 4.625%
HK$20,284
+HK$1,164/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,240/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,016
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,553
−HK$545/mo
Today · 4.125%
HK$21,098
baseline
▲ 0.50% · 4.625%
HK$22,210
+HK$1,112/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,196/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,133
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,852
−HK$731/mo
Today · 4.125%
HK$24,583
baseline
▲ 0.50% · 4.625%
HK$26,079
+HK$1,496/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$49,166/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,735
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,425
−HK$700/mo
Today · 4.125%
HK$27,125
baseline
▲ 0.50% · 4.625%
HK$28,555
+HK$1,430/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$54,250/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,811 · 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).