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$12,815
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,214
−HK$405/mo
Today · 4.125%
HK$13,619
baseline
▲ 0.50% · 4.625%
HK$14,447
+HK$828/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,238/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,257
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,639
−HK$388/mo
Today · 4.125%
HK$15,027
baseline
▲ 0.50% · 4.625%
HK$15,819
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,054/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,378
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,856
−HK$486/mo
Today · 4.125%
HK$16,342
baseline
▲ 0.50% · 4.625%
HK$17,337
+HK$995/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,684/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,108
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,567
−HK$465/mo
Today · 4.125%
HK$18,032
baseline
▲ 0.50% · 4.625%
HK$18,983
+HK$951/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,064/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,941
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,499
−HK$567/mo
Today · 4.125%
HK$19,066
baseline
▲ 0.50% · 4.625%
HK$20,226
+HK$1,160/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$38,132/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,959
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,494
−HK$543/mo
Today · 4.125%
HK$21,037
baseline
▲ 0.50% · 4.625%
HK$22,146
+HK$1,109/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$42,074/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,067
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,784
−HK$729/mo
Today · 4.125%
HK$24,513
baseline
▲ 0.50% · 4.625%
HK$26,005
+HK$1,492/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,026/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,662
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,350
−HK$698/mo
Today · 4.125%
HK$27,048
baseline
▲ 0.50% · 4.625%
HK$28,474
+HK$1,426/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,096/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,450 · 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).