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$12,844
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,243
−HK$406/mo
Today · 4.125%
HK$13,649
baseline
▲ 0.50% · 4.625%
HK$14,480
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,298/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,288
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,672
−HK$388/mo
Today · 4.125%
HK$15,060
baseline
▲ 0.50% · 4.625%
HK$15,854
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,120/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,412
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,892
−HK$487/mo
Today · 4.125%
HK$16,379
baseline
▲ 0.50% · 4.625%
HK$17,376
+HK$997/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,758/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,146
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,606
−HK$466/mo
Today · 4.125%
HK$18,072
baseline
▲ 0.50% · 4.625%
HK$19,025
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,144/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,981
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,540
−HK$569/mo
Today · 4.125%
HK$19,109
baseline
▲ 0.50% · 4.625%
HK$20,271
+HK$1,162/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,218/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,004
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,540
−HK$545/mo
Today · 4.125%
HK$21,085
baseline
▲ 0.50% · 4.625%
HK$22,196
+HK$1,111/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,170/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,119
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,838
−HK$730/mo
Today · 4.125%
HK$24,568
baseline
▲ 0.50% · 4.625%
HK$26,063
+HK$1,495/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,136/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,719
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,409
−HK$700/mo
Today · 4.125%
HK$27,109
baseline
▲ 0.50% · 4.625%
HK$28,538
+HK$1,429/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,218/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,733 · 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).