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$12,811
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,209
−HK$405/mo
Today · 4.125%
HK$13,614
baseline
▲ 0.50% · 4.625%
HK$14,443
+HK$829/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,228/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,252
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,634
−HK$388/mo
Today · 4.125%
HK$15,022
baseline
▲ 0.50% · 4.625%
HK$15,814
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,044/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,373
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,851
−HK$486/mo
Today · 4.125%
HK$16,337
baseline
▲ 0.50% · 4.625%
HK$17,331
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,674/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,102
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,561
−HK$465/mo
Today · 4.125%
HK$18,026
baseline
▲ 0.50% · 4.625%
HK$18,977
+HK$951/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,052/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,935
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,493
−HK$567/mo
Today · 4.125%
HK$19,060
baseline
▲ 0.50% · 4.625%
HK$20,220
+HK$1,160/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$38,120/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,953
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,488
−HK$543/mo
Today · 4.125%
HK$21,031
baseline
▲ 0.50% · 4.625%
HK$22,139
+HK$1,108/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$42,062/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,060
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,777
−HK$729/mo
Today · 4.125%
HK$24,506
baseline
▲ 0.50% · 4.625%
HK$25,997
+HK$1,491/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,012/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,654
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,342
−HK$697/mo
Today · 4.125%
HK$27,039
baseline
▲ 0.50% · 4.625%
HK$28,465
+HK$1,426/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,078/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,409 · 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).