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$12,833
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,232
−HK$406/mo
Today · 4.125%
HK$13,638
baseline
▲ 0.50% · 4.625%
HK$14,468
+HK$830/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,276/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,277
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,660
−HK$388/mo
Today · 4.125%
HK$15,048
baseline
▲ 0.50% · 4.625%
HK$15,841
+HK$793/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,096/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,400
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,879
−HK$486/mo
Today · 4.125%
HK$16,365
baseline
▲ 0.50% · 4.625%
HK$17,361
+HK$996/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,730/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,132
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,591
−HK$467/mo
Today · 4.125%
HK$18,058
baseline
▲ 0.50% · 4.625%
HK$19,009
+HK$951/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,116/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,966
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,525
−HK$568/mo
Today · 4.125%
HK$19,093
baseline
▲ 0.50% · 4.625%
HK$20,255
+HK$1,162/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,186/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,987
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,523
−HK$544/mo
Today · 4.125%
HK$21,067
baseline
▲ 0.50% · 4.625%
HK$22,178
+HK$1,111/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,134/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,100
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,818
−HK$730/mo
Today · 4.125%
HK$24,548
baseline
▲ 0.50% · 4.625%
HK$26,042
+HK$1,494/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,096/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,698
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,387
−HK$699/mo
Today · 4.125%
HK$27,086
baseline
▲ 0.50% · 4.625%
HK$28,514
+HK$1,428/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,172/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,628 · 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).