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$12,753
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,149
−HK$403/mo
Today · 4.125%
HK$13,552
baseline
▲ 0.50% · 4.625%
HK$14,377
+HK$825/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,104/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,187
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,568
−HK$386/mo
Today · 4.125%
HK$14,954
baseline
▲ 0.50% · 4.625%
HK$15,742
+HK$788/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,908/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,303
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,779
−HK$484/mo
Today · 4.125%
HK$16,263
baseline
▲ 0.50% · 4.625%
HK$17,253
+HK$990/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,526/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,025
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,481
−HK$464/mo
Today · 4.125%
HK$17,945
baseline
▲ 0.50% · 4.625%
HK$18,890
+HK$945/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,890/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,854
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,409
−HK$564/mo
Today · 4.125%
HK$18,973
baseline
▲ 0.50% · 4.625%
HK$20,128
+HK$1,155/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,946/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,862
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,395
−HK$540/mo
Today · 4.125%
HK$20,935
baseline
▲ 0.50% · 4.625%
HK$22,039
+HK$1,104/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,870/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,955
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,669
−HK$725/mo
Today · 4.125%
HK$24,394
baseline
▲ 0.50% · 4.625%
HK$25,879
+HK$1,485/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,788/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,537
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,222
−HK$695/mo
Today · 4.125%
HK$26,917
baseline
▲ 0.50% · 4.625%
HK$28,336
+HK$1,419/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,834/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,836 · 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).