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$12,798
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,197
−HK$404/mo
Today · 4.125%
HK$13,601
baseline
▲ 0.50% · 4.625%
HK$14,429
+HK$828/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,202/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,238
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,620
−HK$387/mo
Today · 4.125%
HK$15,007
baseline
▲ 0.50% · 4.625%
HK$15,798
+HK$791/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,014/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,358
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,836
−HK$485/mo
Today · 4.125%
HK$16,321
baseline
▲ 0.50% · 4.625%
HK$17,314
+HK$993/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,642/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,086
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,544
−HK$465/mo
Today · 4.125%
HK$18,009
baseline
▲ 0.50% · 4.625%
HK$18,958
+HK$949/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,018/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,918
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,475
−HK$566/mo
Today · 4.125%
HK$19,041
baseline
▲ 0.50% · 4.625%
HK$20,200
+HK$1,159/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,082/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,933
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,468
−HK$542/mo
Today · 4.125%
HK$21,010
baseline
▲ 0.50% · 4.625%
HK$22,118
+HK$1,108/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$42,020/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,037
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,754
−HK$728/mo
Today · 4.125%
HK$24,482
baseline
▲ 0.50% · 4.625%
HK$25,971
+HK$1,489/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,964/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,629
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,316
−HK$697/mo
Today · 4.125%
HK$27,013
baseline
▲ 0.50% · 4.625%
HK$28,437
+HK$1,424/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$54,026/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,286 · 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).