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$12,812
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,211
−HK$404/mo
Today · 4.125%
HK$13,615
baseline
▲ 0.50% · 4.625%
HK$14,444
+HK$829/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,230/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,253
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,636
−HK$387/mo
Today · 4.125%
HK$15,023
baseline
▲ 0.50% · 4.625%
HK$15,815
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,046/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,374
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,853
−HK$486/mo
Today · 4.125%
HK$16,339
baseline
▲ 0.50% · 4.625%
HK$17,333
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,678/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,104
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,563
−HK$465/mo
Today · 4.125%
HK$18,028
baseline
▲ 0.50% · 4.625%
HK$18,978
+HK$950/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,056/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,937
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,495
−HK$567/mo
Today · 4.125%
HK$19,062
baseline
▲ 0.50% · 4.625%
HK$20,222
+HK$1,160/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$38,124/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,955
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,490
−HK$543/mo
Today · 4.125%
HK$21,033
baseline
▲ 0.50% · 4.625%
HK$22,141
+HK$1,108/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$42,066/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,062
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,779
−HK$729/mo
Today · 4.125%
HK$24,508
baseline
▲ 0.50% · 4.625%
HK$25,999
+HK$1,491/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,016/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,656
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,344
−HK$698/mo
Today · 4.125%
HK$27,042
baseline
▲ 0.50% · 4.625%
HK$28,467
+HK$1,425/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,084/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,421 · 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).