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$12,850
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,249
−HK$406/mo
Today · 4.125%
HK$13,655
baseline
▲ 0.50% · 4.625%
HK$14,486
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,310/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,295
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,678
−HK$389/mo
Today · 4.125%
HK$15,067
baseline
▲ 0.50% · 4.625%
HK$15,862
+HK$795/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,134/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,419
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,899
−HK$487/mo
Today · 4.125%
HK$16,386
baseline
▲ 0.50% · 4.625%
HK$17,384
+HK$998/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,772/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,154
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,614
−HK$467/mo
Today · 4.125%
HK$18,081
baseline
▲ 0.50% · 4.625%
HK$19,034
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,162/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,989
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,549
−HK$568/mo
Today · 4.125%
HK$19,117
baseline
▲ 0.50% · 4.625%
HK$20,281
+HK$1,164/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,234/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,013
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,550
−HK$544/mo
Today · 4.125%
HK$21,094
baseline
▲ 0.50% · 4.625%
HK$22,206
+HK$1,112/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,188/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,129
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,849
−HK$731/mo
Today · 4.125%
HK$24,580
baseline
▲ 0.50% · 4.625%
HK$26,075
+HK$1,495/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$49,160/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,731
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,421
−HK$700/mo
Today · 4.125%
HK$27,121
baseline
▲ 0.50% · 4.625%
HK$28,551
+HK$1,430/mo
Deposit HK$564K · loan HK$5.07M · min. income ≈ HK$54,242/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,791 · 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).