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$12,860
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,260
−HK$406/mo
Today · 4.125%
HK$13,666
baseline
▲ 0.50% · 4.625%
HK$14,498
+HK$832/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,332/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,307
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,690
−HK$390/mo
Today · 4.125%
HK$15,080
baseline
▲ 0.50% · 4.625%
HK$15,874
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,160/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,432
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,912
−HK$488/mo
Today · 4.125%
HK$16,400
baseline
▲ 0.50% · 4.625%
HK$17,398
+HK$998/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$32,800/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,168
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,628
−HK$467/mo
Today · 4.125%
HK$18,095
baseline
▲ 0.50% · 4.625%
HK$19,049
+HK$954/mo
Deposit HK$2.26M · loan HK$3.38M · min. income ≈ HK$36,190/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,004
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,564
−HK$569/mo
Today · 4.125%
HK$19,133
baseline
▲ 0.50% · 4.625%
HK$20,297
+HK$1,164/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,266/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,029
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,566
−HK$545/mo
Today · 4.125%
HK$21,111
baseline
▲ 0.50% · 4.625%
HK$22,224
+HK$1,113/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,222/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,148
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,868
−HK$732/mo
Today · 4.125%
HK$24,600
baseline
▲ 0.50% · 4.625%
HK$26,096
+HK$1,496/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$49,200/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,752
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,443
−HK$700/mo
Today · 4.125%
HK$27,143
baseline
▲ 0.50% · 4.625%
HK$28,574
+HK$1,431/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$54,286/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,894 · 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).