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$12,865
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,265
−HK$406/mo
Today · 4.125%
HK$13,671
baseline
▲ 0.50% · 4.625%
HK$14,503
+HK$832/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,342/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,312
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,696
−HK$389/mo
Today · 4.125%
HK$15,085
baseline
▲ 0.50% · 4.625%
HK$15,880
+HK$795/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,170/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,438
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,918
−HK$488/mo
Today · 4.125%
HK$16,406
baseline
▲ 0.50% · 4.625%
HK$17,404
+HK$998/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,812/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,174
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,635
−HK$467/mo
Today · 4.125%
HK$18,102
baseline
▲ 0.50% · 4.625%
HK$19,056
+HK$954/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,204/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,011
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,571
−HK$569/mo
Today · 4.125%
HK$19,140
baseline
▲ 0.50% · 4.625%
HK$20,305
+HK$1,165/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,280/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,037
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,574
−HK$545/mo
Today · 4.125%
HK$21,119
baseline
▲ 0.50% · 4.625%
HK$22,232
+HK$1,113/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,238/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,157
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,877
−HK$732/mo
Today · 4.125%
HK$24,609
baseline
▲ 0.50% · 4.625%
HK$26,106
+HK$1,497/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$49,218/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,761
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,452
−HK$701/mo
Today · 4.125%
HK$27,153
baseline
▲ 0.50% · 4.625%
HK$28,584
+HK$1,431/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$54,306/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,941 · 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).