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$12,782
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,180
−HK$404/mo
Today · 4.125%
HK$13,584
baseline
▲ 0.50% · 4.625%
HK$14,410
+HK$826/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,168/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,220
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,602
−HK$386/mo
Today · 4.125%
HK$14,988
baseline
▲ 0.50% · 4.625%
HK$15,779
+HK$791/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,976/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,339
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,816
−HK$485/mo
Today · 4.125%
HK$16,301
baseline
▲ 0.50% · 4.625%
HK$17,293
+HK$992/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,602/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,064
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,522
−HK$464/mo
Today · 4.125%
HK$17,986
baseline
▲ 0.50% · 4.625%
HK$18,934
+HK$948/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,972/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,895
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,452
−HK$565/mo
Today · 4.125%
HK$19,017
baseline
▲ 0.50% · 4.625%
HK$20,175
+HK$1,158/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$38,034/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,908
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,442
−HK$542/mo
Today · 4.125%
HK$20,984
baseline
▲ 0.50% · 4.625%
HK$22,090
+HK$1,106/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,968/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,008
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,724
−HK$727/mo
Today · 4.125%
HK$24,451
baseline
▲ 0.50% · 4.625%
HK$25,939
+HK$1,488/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,902/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,596
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,283
−HK$696/mo
Today · 4.125%
HK$26,979
baseline
▲ 0.50% · 4.625%
HK$28,401
+HK$1,422/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$53,958/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,128 · 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).