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$12,872
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,273
−HK$407/mo
Today · 4.125%
HK$13,680
baseline
▲ 0.50% · 4.625%
HK$14,512
+HK$832/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,360/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,320
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,705
−HK$389/mo
Today · 4.125%
HK$15,094
baseline
▲ 0.50% · 4.625%
HK$15,890
+HK$796/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,188/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,447
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,927
−HK$489/mo
Today · 4.125%
HK$16,416
baseline
▲ 0.50% · 4.625%
HK$17,414
+HK$998/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,832/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,185
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,645
−HK$468/mo
Today · 4.125%
HK$18,113
baseline
▲ 0.50% · 4.625%
HK$19,068
+HK$955/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,226/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,021
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,582
−HK$570/mo
Today · 4.125%
HK$19,152
baseline
▲ 0.50% · 4.625%
HK$20,317
+HK$1,165/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,304/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,049
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,586
−HK$546/mo
Today · 4.125%
HK$21,132
baseline
▲ 0.50% · 4.625%
HK$22,246
+HK$1,114/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,264/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,170
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,891
−HK$732/mo
Today · 4.125%
HK$24,623
baseline
▲ 0.50% · 4.625%
HK$26,122
+HK$1,499/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$49,246/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,777
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,468
−HK$701/mo
Today · 4.125%
HK$27,169
baseline
▲ 0.50% · 4.625%
HK$28,602
+HK$1,433/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$54,338/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,017 · 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).