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$12,809
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,207
−HK$405/mo
Today · 4.125%
HK$13,612
baseline
▲ 0.50% · 4.625%
HK$14,440
+HK$828/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,224/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,250
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,632
−HK$387/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$2.94M (deposit + AVD stamp duty HK$126,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,371
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,849
−HK$485/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$126,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,100
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,558
−HK$465/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$126,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,932
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,490
−HK$567/mo
Today · 4.125%
HK$19,057
baseline
▲ 0.50% · 4.625%
HK$20,216
+HK$1,159/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$38,114/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,949
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,484
−HK$543/mo
Today · 4.125%
HK$21,027
baseline
▲ 0.50% · 4.625%
HK$22,136
+HK$1,109/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$42,054/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,056
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,773
−HK$729/mo
Today · 4.125%
HK$24,502
baseline
▲ 0.50% · 4.625%
HK$25,992
+HK$1,490/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,004/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,649
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,337
−HK$698/mo
Today · 4.125%
HK$27,035
baseline
▲ 0.50% · 4.625%
HK$28,460
+HK$1,425/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,070/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,388 · 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).