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$12,808
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,207
−HK$404/mo
Today · 4.125%
HK$13,611
baseline
▲ 0.50% · 4.625%
HK$14,440
+HK$829/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,222/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,249
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,631
−HK$388/mo
Today · 4.125%
HK$15,019
baseline
▲ 0.50% · 4.625%
HK$15,811
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,038/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,370
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,848
−HK$486/mo
Today · 4.125%
HK$16,334
baseline
▲ 0.50% · 4.625%
HK$17,328
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,668/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,099
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,557
−HK$466/mo
Today · 4.125%
HK$18,023
baseline
▲ 0.50% · 4.625%
HK$18,973
+HK$950/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,046/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,932
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,489
−HK$567/mo
Today · 4.125%
HK$19,056
baseline
▲ 0.50% · 4.625%
HK$20,216
+HK$1,160/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$38,112/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,949
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,484
−HK$542/mo
Today · 4.125%
HK$21,026
baseline
▲ 0.50% · 4.625%
HK$22,135
+HK$1,109/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$42,052/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,055
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,772
−HK$729/mo
Today · 4.125%
HK$24,501
baseline
▲ 0.50% · 4.625%
HK$25,991
+HK$1,490/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,002/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,648
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,336
−HK$698/mo
Today · 4.125%
HK$27,034
baseline
▲ 0.50% · 4.625%
HK$28,459
+HK$1,425/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,068/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,384 · 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).