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$13,051
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,457
−HK$413/mo
Today · 4.125%
HK$13,870
baseline
▲ 0.50% · 4.625%
HK$14,714
+HK$844/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,740/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,519
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,909
−HK$395/mo
Today · 4.125%
HK$15,304
baseline
▲ 0.50% · 4.625%
HK$16,111
+HK$807/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,608/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,662
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,149
−HK$495/mo
Today · 4.125%
HK$16,644
baseline
▲ 0.50% · 4.625%
HK$17,656
+HK$1,012/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,288/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,423
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,891
−HK$474/mo
Today · 4.125%
HK$18,365
baseline
▲ 0.50% · 4.625%
HK$19,333
+HK$968/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,730/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,272
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,840
−HK$578/mo
Today · 4.125%
HK$19,418
baseline
▲ 0.50% · 4.625%
HK$20,599
+HK$1,181/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,836/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,327
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,872
−HK$553/mo
Today · 4.125%
HK$21,425
baseline
▲ 0.50% · 4.625%
HK$22,555
+HK$1,130/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,850/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,492
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,223
−HK$743/mo
Today · 4.125%
HK$24,966
baseline
▲ 0.50% · 4.625%
HK$26,485
+HK$1,519/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,932/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,135
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,836
−HK$711/mo
Today · 4.125%
HK$27,547
baseline
▲ 0.50% · 4.625%
HK$28,999
+HK$1,452/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,094/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,782 · 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).