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$12,807
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,205
−HK$405/mo
Today · 4.125%
HK$13,610
baseline
▲ 0.50% · 4.625%
HK$14,438
+HK$828/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,220/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,248
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,630
−HK$388/mo
Today · 4.125%
HK$15,018
baseline
▲ 0.50% · 4.625%
HK$15,809
+HK$791/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,036/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,369
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,847
−HK$485/mo
Today · 4.125%
HK$16,332
baseline
▲ 0.50% · 4.625%
HK$17,326
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,664/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,097
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,556
−HK$465/mo
Today · 4.125%
HK$18,021
baseline
▲ 0.50% · 4.625%
HK$18,971
+HK$950/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,042/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,930
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,488
−HK$566/mo
Today · 4.125%
HK$19,054
baseline
▲ 0.50% · 4.625%
HK$20,214
+HK$1,160/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,108/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,947
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,482
−HK$543/mo
Today · 4.125%
HK$21,025
baseline
▲ 0.50% · 4.625%
HK$22,133
+HK$1,108/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$42,050/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,053
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,770
−HK$728/mo
Today · 4.125%
HK$24,498
baseline
▲ 0.50% · 4.625%
HK$25,989
+HK$1,491/mo
Deposit HK$562K · loan HK$5.05M · min. income ≈ HK$48,996/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,646
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,334
−HK$698/mo
Today · 4.125%
HK$27,032
baseline
▲ 0.50% · 4.625%
HK$28,456
+HK$1,424/mo
Deposit HK$562K · loan HK$5.05M · min. income ≈ HK$54,064/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,372 · 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).