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$12,805
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,203
−HK$405/mo
Today · 4.125%
HK$13,608
baseline
▲ 0.50% · 4.625%
HK$14,436
+HK$828/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,216/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,245
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,627
−HK$388/mo
Today · 4.125%
HK$15,015
baseline
▲ 0.50% · 4.625%
HK$15,806
+HK$791/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,030/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,366
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,844
−HK$485/mo
Today · 4.125%
HK$16,329
baseline
▲ 0.50% · 4.625%
HK$17,323
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,658/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,094
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,553
−HK$465/mo
Today · 4.125%
HK$18,018
baseline
▲ 0.50% · 4.625%
HK$18,967
+HK$949/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,036/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,927
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,484
−HK$567/mo
Today · 4.125%
HK$19,051
baseline
▲ 0.50% · 4.625%
HK$20,210
+HK$1,159/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,102/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,943
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,478
−HK$543/mo
Today · 4.125%
HK$21,021
baseline
▲ 0.50% · 4.625%
HK$22,129
+HK$1,108/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$42,042/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,048
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,765
−HK$729/mo
Today · 4.125%
HK$24,494
baseline
▲ 0.50% · 4.625%
HK$25,984
+HK$1,490/mo
Deposit HK$562K · loan HK$5.05M · min. income ≈ HK$48,988/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,641
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,329
−HK$697/mo
Today · 4.125%
HK$27,026
baseline
▲ 0.50% · 4.625%
HK$28,451
+HK$1,425/mo
Deposit HK$562K · loan HK$5.05M · min. income ≈ HK$54,052/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,348 · 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).