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$12,793
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,191
−HK$405/mo
Today · 4.125%
HK$13,596
baseline
▲ 0.50% · 4.625%
HK$14,423
+HK$827/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,192/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,233
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,614
−HK$387/mo
Today · 4.125%
HK$15,001
baseline
▲ 0.50% · 4.625%
HK$15,792
+HK$791/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,002/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,352
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,830
−HK$485/mo
Today · 4.125%
HK$16,315
baseline
▲ 0.50% · 4.625%
HK$17,308
+HK$993/mo
Deposit HK$2.24M · loan HK$3.37M · min. income ≈ HK$32,630/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,079
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,537
−HK$465/mo
Today · 4.125%
HK$18,002
baseline
▲ 0.50% · 4.625%
HK$18,951
+HK$949/mo
Deposit HK$2.24M · loan HK$3.37M · min. income ≈ HK$36,004/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,911
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,468
−HK$566/mo
Today · 4.125%
HK$19,034
baseline
▲ 0.50% · 4.625%
HK$20,192
+HK$1,158/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,068/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,926
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,460
−HK$542/mo
Today · 4.125%
HK$21,002
baseline
▲ 0.50% · 4.625%
HK$22,109
+HK$1,107/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$42,004/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,028
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,744
−HK$728/mo
Today · 4.125%
HK$24,472
baseline
▲ 0.50% · 4.625%
HK$25,961
+HK$1,489/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,944/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,619
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,306
−HK$697/mo
Today · 4.125%
HK$27,003
baseline
▲ 0.50% · 4.625%
HK$28,426
+HK$1,423/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$54,006/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,237 · 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).