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$12,769
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,167
−HK$403/mo
Today · 4.125%
HK$13,570
baseline
▲ 0.50% · 4.625%
HK$14,396
+HK$826/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,140/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$125,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,206
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,587
−HK$386/mo
Today · 4.125%
HK$14,973
baseline
▲ 0.50% · 4.625%
HK$15,763
+HK$790/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,946/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$125,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,323
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,800
−HK$484/mo
Today · 4.125%
HK$16,284
baseline
▲ 0.50% · 4.625%
HK$17,275
+HK$991/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,568/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$125,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,047
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,504
−HK$464/mo
Today · 4.125%
HK$17,968
baseline
▲ 0.50% · 4.625%
HK$18,915
+HK$947/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,936/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$125,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,877
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,433
−HK$565/mo
Today · 4.125%
HK$18,998
baseline
▲ 0.50% · 4.625%
HK$20,154
+HK$1,156/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$37,996/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$125,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,888
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,421
−HK$542/mo
Today · 4.125%
HK$20,963
baseline
▲ 0.50% · 4.625%
HK$22,068
+HK$1,105/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,926/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$125,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,985
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,700
−HK$726/mo
Today · 4.125%
HK$24,426
baseline
▲ 0.50% · 4.625%
HK$25,912
+HK$1,486/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,852/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$125,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,570
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,256
−HK$696/mo
Today · 4.125%
HK$26,952
baseline
▲ 0.50% · 4.625%
HK$28,373
+HK$1,421/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,904/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$125,999 · 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).