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$12,787
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,185
−HK$404/mo
Today · 4.125%
HK$13,589
baseline
▲ 0.50% · 4.625%
HK$14,416
+HK$827/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,178/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,226
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,607
−HK$387/mo
Today · 4.125%
HK$14,994
baseline
▲ 0.50% · 4.625%
HK$15,785
+HK$791/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,988/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,345
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,822
−HK$485/mo
Today · 4.125%
HK$16,307
baseline
▲ 0.50% · 4.625%
HK$17,299
+HK$992/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,614/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,071
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,529
−HK$464/mo
Today · 4.125%
HK$17,993
baseline
▲ 0.50% · 4.625%
HK$18,942
+HK$949/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,986/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,902
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,459
−HK$566/mo
Today · 4.125%
HK$19,025
baseline
▲ 0.50% · 4.625%
HK$20,183
+HK$1,158/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,050/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,916
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,450
−HK$542/mo
Today · 4.125%
HK$20,992
baseline
▲ 0.50% · 4.625%
HK$22,099
+HK$1,107/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$41,984/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,017
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,733
−HK$728/mo
Today · 4.125%
HK$24,461
baseline
▲ 0.50% · 4.625%
HK$25,949
+HK$1,488/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,922/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,606
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,293
−HK$697/mo
Today · 4.125%
HK$26,990
baseline
▲ 0.50% · 4.625%
HK$28,413
+HK$1,423/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$53,980/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,177 · 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).