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$12,841
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,241
−HK$405/mo
Today · 4.125%
HK$13,646
baseline
▲ 0.50% · 4.625%
HK$14,477
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,292/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,286
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,669
−HK$388/mo
Today · 4.125%
HK$15,057
baseline
▲ 0.50% · 4.625%
HK$15,851
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,114/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,409
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,889
−HK$487/mo
Today · 4.125%
HK$16,376
baseline
▲ 0.50% · 4.625%
HK$17,372
+HK$996/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,752/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,143
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,602
−HK$467/mo
Today · 4.125%
HK$18,069
baseline
▲ 0.50% · 4.625%
HK$19,021
+HK$952/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,138/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,978
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,537
−HK$568/mo
Today · 4.125%
HK$19,105
baseline
▲ 0.50% · 4.625%
HK$20,267
+HK$1,162/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,210/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,000
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,536
−HK$544/mo
Today · 4.125%
HK$21,080
baseline
▲ 0.50% · 4.625%
HK$22,192
+HK$1,112/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,160/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,114
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,833
−HK$730/mo
Today · 4.125%
HK$24,563
baseline
▲ 0.50% · 4.625%
HK$26,058
+HK$1,495/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,126/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,714
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,404
−HK$699/mo
Today · 4.125%
HK$27,103
baseline
▲ 0.50% · 4.625%
HK$28,532
+HK$1,429/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,206/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,708 · 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).