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$12,984
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,388
−HK$410/mo
Today · 4.125%
HK$13,798
baseline
▲ 0.50% · 4.625%
HK$14,638
+HK$840/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,596/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,444
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,832
−HK$393/mo
Today · 4.125%
HK$15,225
baseline
▲ 0.50% · 4.625%
HK$16,027
+HK$802/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,450/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,581
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,065
−HK$493/mo
Today · 4.125%
HK$16,558
baseline
▲ 0.50% · 4.625%
HK$17,565
+HK$1,007/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,116/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,333
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,798
−HK$472/mo
Today · 4.125%
HK$18,270
baseline
▲ 0.50% · 4.625%
HK$19,233
+HK$963/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,540/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,178
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,743
−HK$574/mo
Today · 4.125%
HK$19,317
baseline
▲ 0.50% · 4.625%
HK$20,493
+HK$1,176/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,634/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,222
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,765
−HK$550/mo
Today · 4.125%
HK$21,315
baseline
▲ 0.50% · 4.625%
HK$22,438
+HK$1,123/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,630/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,371
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,098
−HK$739/mo
Today · 4.125%
HK$24,837
baseline
▲ 0.50% · 4.625%
HK$26,348
+HK$1,511/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,674/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,000
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,697
−HK$708/mo
Today · 4.125%
HK$27,405
baseline
▲ 0.50% · 4.625%
HK$28,849
+HK$1,444/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,810/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,117 · 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).