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$12,773
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,170
−HK$404/mo
Today · 4.125%
HK$13,574
baseline
▲ 0.50% · 4.625%
HK$14,400
+HK$826/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,148/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,210
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,591
−HK$386/mo
Today · 4.125%
HK$14,977
baseline
▲ 0.50% · 4.625%
HK$15,767
+HK$790/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,954/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,328
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,804
−HK$485/mo
Today · 4.125%
HK$16,289
baseline
▲ 0.50% · 4.625%
HK$17,280
+HK$991/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,578/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,052
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,509
−HK$464/mo
Today · 4.125%
HK$17,973
baseline
▲ 0.50% · 4.625%
HK$18,920
+HK$947/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,946/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,882
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,438
−HK$565/mo
Today · 4.125%
HK$19,003
baseline
▲ 0.50% · 4.625%
HK$20,160
+HK$1,157/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$38,006/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,894
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,427
−HK$541/mo
Today · 4.125%
HK$20,968
baseline
▲ 0.50% · 4.625%
HK$22,074
+HK$1,106/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,936/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,991
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,706
−HK$727/mo
Today · 4.125%
HK$24,433
baseline
▲ 0.50% · 4.625%
HK$25,920
+HK$1,487/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,866/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,578
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,264
−HK$695/mo
Today · 4.125%
HK$26,959
baseline
▲ 0.50% · 4.625%
HK$28,381
+HK$1,422/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,918/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,035 · 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).