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$12,937
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,340
−HK$409/mo
Today · 4.125%
HK$13,749
baseline
▲ 0.50% · 4.625%
HK$14,585
+HK$836/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,498/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,393
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,779
−HK$391/mo
Today · 4.125%
HK$15,170
baseline
▲ 0.50% · 4.625%
HK$15,970
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,340/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,525
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,008
−HK$490/mo
Today · 4.125%
HK$16,498
baseline
▲ 0.50% · 4.625%
HK$17,502
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,996/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,271
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,734
−HK$470/mo
Today · 4.125%
HK$18,204
baseline
▲ 0.50% · 4.625%
HK$19,164
+HK$960/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,408/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,112
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,676
−HK$572/mo
Today · 4.125%
HK$19,248
baseline
▲ 0.50% · 4.625%
HK$20,419
+HK$1,171/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,496/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,150
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,690
−HK$548/mo
Today · 4.125%
HK$21,238
baseline
▲ 0.50% · 4.625%
HK$22,358
+HK$1,120/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,476/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,287
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,012
−HK$736/mo
Today · 4.125%
HK$24,748
baseline
▲ 0.50% · 4.625%
HK$26,253
+HK$1,505/mo
Deposit HK$567K · loan HK$5.11M · min. income ≈ HK$49,496/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,907
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,602
−HK$705/mo
Today · 4.125%
HK$27,307
baseline
▲ 0.50% · 4.625%
HK$28,746
+HK$1,439/mo
Deposit HK$567K · loan HK$5.11M · min. income ≈ HK$54,614/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,658 · 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).