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$12,812
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,210
−HK$405/mo
Today · 4.125%
HK$13,615
baseline
▲ 0.50% · 4.625%
HK$14,444
+HK$829/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,230/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,253
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,635
−HK$388/mo
Today · 4.125%
HK$15,023
baseline
▲ 0.50% · 4.625%
HK$15,815
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,046/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,374
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,852
−HK$486/mo
Today · 4.125%
HK$16,338
baseline
▲ 0.50% · 4.625%
HK$17,332
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,676/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,103
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,562
−HK$465/mo
Today · 4.125%
HK$18,027
baseline
▲ 0.50% · 4.625%
HK$18,978
+HK$951/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,054/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,936
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,494
−HK$567/mo
Today · 4.125%
HK$19,061
baseline
▲ 0.50% · 4.625%
HK$20,221
+HK$1,160/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$38,122/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,954
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,489
−HK$543/mo
Today · 4.125%
HK$21,032
baseline
▲ 0.50% · 4.625%
HK$22,141
+HK$1,109/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$42,064/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,061
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,778
−HK$729/mo
Today · 4.125%
HK$24,507
baseline
▲ 0.50% · 4.625%
HK$25,998
+HK$1,491/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,014/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,655
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,343
−HK$698/mo
Today · 4.125%
HK$27,041
baseline
▲ 0.50% · 4.625%
HK$28,467
+HK$1,426/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,082/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,417 · 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).