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$12,768
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,165
−HK$404/mo
Today · 4.125%
HK$13,569
baseline
▲ 0.50% · 4.625%
HK$14,395
+HK$826/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,138/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$125,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,205
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,586
−HK$386/mo
Today · 4.125%
HK$14,972
baseline
▲ 0.50% · 4.625%
HK$15,761
+HK$789/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,944/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$125,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,322
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,798
−HK$485/mo
Today · 4.125%
HK$16,283
baseline
▲ 0.50% · 4.625%
HK$17,273
+HK$990/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,566/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$125,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,045
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,503
−HK$463/mo
Today · 4.125%
HK$17,966
baseline
▲ 0.50% · 4.625%
HK$18,913
+HK$947/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,932/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$125,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,876
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,432
−HK$565/mo
Today · 4.125%
HK$18,997
baseline
▲ 0.50% · 4.625%
HK$20,152
+HK$1,155/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$37,994/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$125,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,886
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,420
−HK$541/mo
Today · 4.125%
HK$20,961
baseline
▲ 0.50% · 4.625%
HK$22,066
+HK$1,105/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,922/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$125,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,983
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,698
−HK$726/mo
Today · 4.125%
HK$24,424
baseline
▲ 0.50% · 4.625%
HK$25,910
+HK$1,486/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,848/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$125,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,568
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,254
−HK$696/mo
Today · 4.125%
HK$26,950
baseline
▲ 0.50% · 4.625%
HK$28,370
+HK$1,420/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,900/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$125,989 · 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).