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$12,834
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,233
−HK$406/mo
Today · 4.125%
HK$13,639
baseline
▲ 0.50% · 4.625%
HK$14,468
+HK$829/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,278/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,277
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,660
−HK$389/mo
Today · 4.125%
HK$15,049
baseline
▲ 0.50% · 4.625%
HK$15,842
+HK$793/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,098/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,400
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,880
−HK$486/mo
Today · 4.125%
HK$16,366
baseline
▲ 0.50% · 4.625%
HK$17,362
+HK$996/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,732/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,133
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,592
−HK$467/mo
Today · 4.125%
HK$18,059
baseline
▲ 0.50% · 4.625%
HK$19,010
+HK$951/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,118/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,967
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,526
−HK$568/mo
Today · 4.125%
HK$19,094
baseline
▲ 0.50% · 4.625%
HK$20,256
+HK$1,162/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,188/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,988
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,524
−HK$544/mo
Today · 4.125%
HK$21,068
baseline
▲ 0.50% · 4.625%
HK$22,179
+HK$1,111/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,136/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,101
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,819
−HK$730/mo
Today · 4.125%
HK$24,549
baseline
▲ 0.50% · 4.625%
HK$26,043
+HK$1,494/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,098/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,699
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,389
−HK$699/mo
Today · 4.125%
HK$27,088
baseline
▲ 0.50% · 4.625%
HK$28,516
+HK$1,428/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,176/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,635 · 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).