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$12,845
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,245
−HK$405/mo
Today · 4.125%
HK$13,650
baseline
▲ 0.50% · 4.625%
HK$14,481
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,300/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,290
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,673
−HK$389/mo
Today · 4.125%
HK$15,062
baseline
▲ 0.50% · 4.625%
HK$15,856
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,124/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,414
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,893
−HK$488/mo
Today · 4.125%
HK$16,381
baseline
▲ 0.50% · 4.625%
HK$17,377
+HK$996/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,762/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,148
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,608
−HK$466/mo
Today · 4.125%
HK$18,074
baseline
▲ 0.50% · 4.625%
HK$19,027
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,148/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,983
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,542
−HK$569/mo
Today · 4.125%
HK$19,111
baseline
▲ 0.50% · 4.625%
HK$20,273
+HK$1,162/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,222/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,006
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,542
−HK$545/mo
Today · 4.125%
HK$21,087
baseline
▲ 0.50% · 4.625%
HK$22,198
+HK$1,111/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,174/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,121
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,840
−HK$731/mo
Today · 4.125%
HK$24,571
baseline
▲ 0.50% · 4.625%
HK$26,066
+HK$1,495/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,142/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,722
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,412
−HK$699/mo
Today · 4.125%
HK$27,111
baseline
▲ 0.50% · 4.625%
HK$28,541
+HK$1,430/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,222/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,746 · 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).