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$12,825
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,224
−HK$405/mo
Today · 4.125%
HK$13,629
baseline
▲ 0.50% · 4.625%
HK$14,458
+HK$829/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,258/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,267
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,650
−HK$388/mo
Today · 4.125%
HK$15,038
baseline
▲ 0.50% · 4.625%
HK$15,831
+HK$793/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,076/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,390
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,868
−HK$487/mo
Today · 4.125%
HK$16,355
baseline
▲ 0.50% · 4.625%
HK$17,350
+HK$995/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,710/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,121
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,580
−HK$466/mo
Today · 4.125%
HK$18,046
baseline
▲ 0.50% · 4.625%
HK$18,997
+HK$951/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,092/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,955
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,513
−HK$568/mo
Today · 4.125%
HK$19,081
baseline
▲ 0.50% · 4.625%
HK$20,242
+HK$1,161/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,162/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,974
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,510
−HK$544/mo
Today · 4.125%
HK$21,054
baseline
▲ 0.50% · 4.625%
HK$22,163
+HK$1,109/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,108/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,085
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,803
−HK$729/mo
Today · 4.125%
HK$24,532
baseline
▲ 0.50% · 4.625%
HK$26,025
+HK$1,493/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,064/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,681
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,370
−HK$699/mo
Today · 4.125%
HK$27,069
baseline
▲ 0.50% · 4.625%
HK$28,496
+HK$1,427/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,138/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,546 · 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).