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$12,831
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,231
−HK$405/mo
Today · 4.125%
HK$13,636
baseline
▲ 0.50% · 4.625%
HK$14,466
+HK$830/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,272/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,275
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,658
−HK$388/mo
Today · 4.125%
HK$15,046
baseline
▲ 0.50% · 4.625%
HK$15,839
+HK$793/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,092/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,398
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,877
−HK$486/mo
Today · 4.125%
HK$16,363
baseline
▲ 0.50% · 4.625%
HK$17,359
+HK$996/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,726/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,130
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,589
−HK$466/mo
Today · 4.125%
HK$18,055
baseline
▲ 0.50% · 4.625%
HK$19,007
+HK$952/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,110/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,964
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,523
−HK$568/mo
Today · 4.125%
HK$19,091
baseline
▲ 0.50% · 4.625%
HK$20,252
+HK$1,161/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,182/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,985
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,521
−HK$544/mo
Today · 4.125%
HK$21,065
baseline
▲ 0.50% · 4.625%
HK$22,175
+HK$1,110/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,130/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,097
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,815
−HK$730/mo
Today · 4.125%
HK$24,545
baseline
▲ 0.50% · 4.625%
HK$26,039
+HK$1,494/mo
Deposit HK$563K · loan HK$5.06M · min. income ≈ HK$49,090/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,695
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,384
−HK$699/mo
Today · 4.125%
HK$27,083
baseline
▲ 0.50% · 4.625%
HK$28,511
+HK$1,428/mo
Deposit HK$563K · loan HK$5.06M · min. income ≈ HK$54,166/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,613 · 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).