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$13,033
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,439
−HK$411/mo
Today · 4.125%
HK$13,850
baseline
▲ 0.50% · 4.625%
HK$14,693
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,700/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,499
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,888
−HK$395/mo
Today · 4.125%
HK$15,283
baseline
▲ 0.50% · 4.625%
HK$16,088
+HK$805/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,566/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,640
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,126
−HK$495/mo
Today · 4.125%
HK$16,621
baseline
▲ 0.50% · 4.625%
HK$17,632
+HK$1,011/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,242/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,399
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,866
−HK$473/mo
Today · 4.125%
HK$18,339
baseline
▲ 0.50% · 4.625%
HK$19,306
+HK$967/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,678/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,246
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,814
−HK$577/mo
Today · 4.125%
HK$19,391
baseline
▲ 0.50% · 4.625%
HK$20,571
+HK$1,180/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,782/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,299
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,843
−HK$553/mo
Today · 4.125%
HK$21,396
baseline
▲ 0.50% · 4.625%
HK$22,523
+HK$1,127/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,792/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,460
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,189
−HK$742/mo
Today · 4.125%
HK$24,931
baseline
▲ 0.50% · 4.625%
HK$26,448
+HK$1,517/mo
Deposit HK$572K · loan HK$5.14M · min. income ≈ HK$49,862/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,099
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,799
−HK$710/mo
Today · 4.125%
HK$27,509
baseline
▲ 0.50% · 4.625%
HK$28,959
+HK$1,450/mo
Deposit HK$572K · loan HK$5.14M · min. income ≈ HK$55,018/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,603 · 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).