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$12,866
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,266
−HK$407/mo
Today · 4.125%
HK$13,673
baseline
▲ 0.50% · 4.625%
HK$14,504
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,346/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,313
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,697
−HK$389/mo
Today · 4.125%
HK$15,086
baseline
▲ 0.50% · 4.625%
HK$15,881
+HK$795/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,172/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$126,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,439
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,919
−HK$488/mo
Today · 4.125%
HK$16,407
baseline
▲ 0.50% · 4.625%
HK$17,405
+HK$998/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,814/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,176
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,636
−HK$468/mo
Today · 4.125%
HK$18,104
baseline
▲ 0.50% · 4.625%
HK$19,058
+HK$954/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,208/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,012
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,572
−HK$570/mo
Today · 4.125%
HK$19,142
baseline
▲ 0.50% · 4.625%
HK$20,306
+HK$1,164/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,284/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,038
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,576
−HK$545/mo
Today · 4.125%
HK$21,121
baseline
▲ 0.50% · 4.625%
HK$22,234
+HK$1,113/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,242/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,158
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,879
−HK$732/mo
Today · 4.125%
HK$24,611
baseline
▲ 0.50% · 4.625%
HK$26,108
+HK$1,497/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$49,222/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,763
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,454
−HK$701/mo
Today · 4.125%
HK$27,155
baseline
▲ 0.50% · 4.625%
HK$28,587
+HK$1,432/mo
Deposit HK$564K · loan HK$5.08M · min. income ≈ HK$54,310/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$126,950 · 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).