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$12,752
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,149
−HK$403/mo
Today · 4.125%
HK$13,552
baseline
▲ 0.50% · 4.625%
HK$14,376
+HK$824/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,104/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,187
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,567
−HK$386/mo
Today · 4.125%
HK$14,953
baseline
▲ 0.50% · 4.625%
HK$15,741
+HK$788/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,906/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,303
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,779
−HK$483/mo
Today · 4.125%
HK$16,262
baseline
▲ 0.50% · 4.625%
HK$17,252
+HK$990/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,524/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,024
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,481
−HK$463/mo
Today · 4.125%
HK$17,944
baseline
▲ 0.50% · 4.625%
HK$18,890
+HK$946/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,888/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,853
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,408
−HK$565/mo
Today · 4.125%
HK$18,973
baseline
▲ 0.50% · 4.625%
HK$20,127
+HK$1,154/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,946/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,861
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,394
−HK$540/mo
Today · 4.125%
HK$20,934
baseline
▲ 0.50% · 4.625%
HK$22,038
+HK$1,104/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,868/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,954
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,668
−HK$725/mo
Today · 4.125%
HK$24,393
baseline
▲ 0.50% · 4.625%
HK$25,878
+HK$1,485/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,786/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,536
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,221
−HK$695/mo
Today · 4.125%
HK$26,916
baseline
▲ 0.50% · 4.625%
HK$28,334
+HK$1,418/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,832/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,831 · 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).