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$12,912
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,314
−HK$408/mo
Today · 4.125%
HK$13,722
baseline
▲ 0.50% · 4.625%
HK$14,557
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,444/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,365
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,750
−HK$391/mo
Today · 4.125%
HK$15,141
baseline
▲ 0.50% · 4.625%
HK$15,939
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,282/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,495
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,977
−HK$489/mo
Today · 4.125%
HK$16,466
baseline
▲ 0.50% · 4.625%
HK$17,468
+HK$1,002/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,932/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,238
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,700
−HK$469/mo
Today · 4.125%
HK$18,169
baseline
▲ 0.50% · 4.625%
HK$19,127
+HK$958/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,338/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,077
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,640
−HK$571/mo
Today · 4.125%
HK$19,211
baseline
▲ 0.50% · 4.625%
HK$20,380
+HK$1,169/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,422/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,111
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,650
−HK$547/mo
Today · 4.125%
HK$21,197
baseline
▲ 0.50% · 4.625%
HK$22,315
+HK$1,118/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,394/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,242
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,965
−HK$735/mo
Today · 4.125%
HK$24,700
baseline
▲ 0.50% · 4.625%
HK$26,203
+HK$1,503/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$49,400/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,857
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,550
−HK$704/mo
Today · 4.125%
HK$27,254
baseline
▲ 0.50% · 4.625%
HK$28,690
+HK$1,436/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$54,508/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,410 · 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).