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$12,792
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,190
−HK$405/mo
Today · 4.125%
HK$13,595
baseline
▲ 0.50% · 4.625%
HK$14,422
+HK$827/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,190/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,231
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,613
−HK$387/mo
Today · 4.125%
HK$15,000
baseline
▲ 0.50% · 4.625%
HK$15,791
+HK$791/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,000/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,351
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,828
−HK$486/mo
Today · 4.125%
HK$16,314
baseline
▲ 0.50% · 4.625%
HK$17,306
+HK$992/mo
Deposit HK$2.24M · loan HK$3.37M · min. income ≈ HK$32,628/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,078
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,536
−HK$464/mo
Today · 4.125%
HK$18,000
baseline
▲ 0.50% · 4.625%
HK$18,949
+HK$949/mo
Deposit HK$2.24M · loan HK$3.37M · min. income ≈ HK$36,000/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,909
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,466
−HK$566/mo
Today · 4.125%
HK$19,032
baseline
▲ 0.50% · 4.625%
HK$20,191
+HK$1,159/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,064/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,924
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,458
−HK$542/mo
Today · 4.125%
HK$21,000
baseline
▲ 0.50% · 4.625%
HK$22,107
+HK$1,107/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$42,000/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,026
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,743
−HK$727/mo
Today · 4.125%
HK$24,470
baseline
▲ 0.50% · 4.625%
HK$25,959
+HK$1,489/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,940/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,617
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,304
−HK$697/mo
Today · 4.125%
HK$27,001
baseline
▲ 0.50% · 4.625%
HK$28,424
+HK$1,423/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$54,002/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,227 · 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).