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$12,958
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,361
−HK$410/mo
Today · 4.125%
HK$13,771
baseline
▲ 0.50% · 4.625%
HK$14,609
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,542/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,416
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,803
−HK$392/mo
Today · 4.125%
HK$15,195
baseline
▲ 0.50% · 4.625%
HK$15,996
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,390/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,550
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,034
−HK$491/mo
Today · 4.125%
HK$16,525
baseline
▲ 0.50% · 4.625%
HK$17,531
+HK$1,006/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,050/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,299
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,763
−HK$471/mo
Today · 4.125%
HK$18,234
baseline
▲ 0.50% · 4.625%
HK$19,195
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,468/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,142
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,706
−HK$573/mo
Today · 4.125%
HK$19,279
baseline
▲ 0.50% · 4.625%
HK$20,452
+HK$1,173/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$38,558/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,182
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,724
−HK$549/mo
Today · 4.125%
HK$21,273
baseline
▲ 0.50% · 4.625%
HK$22,394
+HK$1,121/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$42,546/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,325
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,051
−HK$737/mo
Today · 4.125%
HK$24,788
baseline
▲ 0.50% · 4.625%
HK$26,296
+HK$1,508/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,576/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,949
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,645
−HK$706/mo
Today · 4.125%
HK$27,351
baseline
▲ 0.50% · 4.625%
HK$28,792
+HK$1,441/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,702/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,865 · 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).