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$13,034
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,439
−HK$412/mo
Today · 4.125%
HK$13,851
baseline
▲ 0.50% · 4.625%
HK$14,694
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,702/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,500
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,889
−HK$395/mo
Today · 4.125%
HK$15,284
baseline
▲ 0.50% · 4.625%
HK$16,089
+HK$805/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,568/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,641
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,127
−HK$495/mo
Today · 4.125%
HK$16,622
baseline
▲ 0.50% · 4.625%
HK$17,633
+HK$1,011/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,244/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,400
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,867
−HK$473/mo
Today · 4.125%
HK$18,340
baseline
▲ 0.50% · 4.625%
HK$19,307
+HK$967/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,680/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,248
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,815
−HK$577/mo
Today · 4.125%
HK$19,392
baseline
▲ 0.50% · 4.625%
HK$20,572
+HK$1,180/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,784/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,300
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,845
−HK$552/mo
Today · 4.125%
HK$21,397
baseline
▲ 0.50% · 4.625%
HK$22,525
+HK$1,128/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,794/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,461
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,191
−HK$742/mo
Today · 4.125%
HK$24,933
baseline
▲ 0.50% · 4.625%
HK$26,450
+HK$1,517/mo
Deposit HK$572K · loan HK$5.14M · min. income ≈ HK$49,866/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,100
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,800
−HK$711/mo
Today · 4.125%
HK$27,511
baseline
▲ 0.50% · 4.625%
HK$28,961
+HK$1,450/mo
Deposit HK$572K · loan HK$5.14M · min. income ≈ HK$55,022/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,612 · 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).