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$12,786
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,183
−HK$404/mo
Today · 4.125%
HK$13,587
baseline
▲ 0.50% · 4.625%
HK$14,414
+HK$827/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,174/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,224
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,605
−HK$387/mo
Today · 4.125%
HK$14,992
baseline
▲ 0.50% · 4.625%
HK$15,783
+HK$791/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,984/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,343
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,820
−HK$485/mo
Today · 4.125%
HK$16,305
baseline
▲ 0.50% · 4.625%
HK$17,297
+HK$992/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,610/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,069
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,526
−HK$465/mo
Today · 4.125%
HK$17,991
baseline
▲ 0.50% · 4.625%
HK$18,939
+HK$948/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,982/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,900
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,457
−HK$565/mo
Today · 4.125%
HK$19,022
baseline
▲ 0.50% · 4.625%
HK$20,180
+HK$1,158/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$38,044/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,913
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,448
−HK$541/mo
Today · 4.125%
HK$20,989
baseline
▲ 0.50% · 4.625%
HK$22,096
+HK$1,107/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,978/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,014
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,730
−HK$727/mo
Today · 4.125%
HK$24,457
baseline
▲ 0.50% · 4.625%
HK$25,946
+HK$1,489/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,914/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,603
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,290
−HK$696/mo
Today · 4.125%
HK$26,986
baseline
▲ 0.50% · 4.625%
HK$28,409
+HK$1,423/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$53,972/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,161 · 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).