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$12,898
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,299
−HK$408/mo
Today · 4.125%
HK$13,707
baseline
▲ 0.50% · 4.625%
HK$14,541
+HK$834/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,414/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,349
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,734
−HK$390/mo
Today · 4.125%
HK$15,124
baseline
▲ 0.50% · 4.625%
HK$15,921
+HK$797/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,248/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,477
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,959
−HK$489/mo
Today · 4.125%
HK$16,448
baseline
▲ 0.50% · 4.625%
HK$17,449
+HK$1,001/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,896/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,218
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,680
−HK$469/mo
Today · 4.125%
HK$18,149
baseline
▲ 0.50% · 4.625%
HK$19,105
+HK$956/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,298/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,057
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,619
−HK$570/mo
Today · 4.125%
HK$19,189
baseline
▲ 0.50% · 4.625%
HK$20,357
+HK$1,168/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,378/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,088
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,627
−HK$546/mo
Today · 4.125%
HK$21,173
baseline
▲ 0.50% · 4.625%
HK$22,290
+HK$1,117/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,346/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,216
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,938
−HK$734/mo
Today · 4.125%
HK$24,672
baseline
▲ 0.50% · 4.625%
HK$26,173
+HK$1,501/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$49,344/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,828
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,520
−HK$703/mo
Today · 4.125%
HK$27,223
baseline
▲ 0.50% · 4.625%
HK$28,658
+HK$1,435/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$54,446/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,267 · 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).