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$12,795
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,193
−HK$405/mo
Today · 4.125%
HK$13,598
baseline
▲ 0.50% · 4.625%
HK$14,425
+HK$827/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,196/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,235
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,616
−HK$388/mo
Today · 4.125%
HK$15,004
baseline
▲ 0.50% · 4.625%
HK$15,795
+HK$791/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,008/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,354
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,832
−HK$485/mo
Today · 4.125%
HK$16,317
baseline
▲ 0.50% · 4.625%
HK$17,310
+HK$993/mo
Deposit HK$2.24M · loan HK$3.37M · min. income ≈ HK$32,634/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,082
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,540
−HK$464/mo
Today · 4.125%
HK$18,004
baseline
▲ 0.50% · 4.625%
HK$18,954
+HK$950/mo
Deposit HK$2.24M · loan HK$3.37M · min. income ≈ HK$36,008/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,913
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,471
−HK$566/mo
Today · 4.125%
HK$19,037
baseline
▲ 0.50% · 4.625%
HK$20,195
+HK$1,158/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,074/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,929
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,463
−HK$542/mo
Today · 4.125%
HK$21,005
baseline
▲ 0.50% · 4.625%
HK$22,112
+HK$1,107/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$42,010/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,032
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,748
−HK$728/mo
Today · 4.125%
HK$24,476
baseline
▲ 0.50% · 4.625%
HK$25,965
+HK$1,489/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,952/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,622
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,310
−HK$697/mo
Today · 4.125%
HK$27,007
baseline
▲ 0.50% · 4.625%
HK$28,430
+HK$1,423/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$54,014/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,256 · 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).