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$13,030
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,436
−HK$412/mo
Today · 4.125%
HK$13,848
baseline
▲ 0.50% · 4.625%
HK$14,690
+HK$842/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,696/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,496
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,885
−HK$394/mo
Today · 4.125%
HK$15,279
baseline
▲ 0.50% · 4.625%
HK$16,085
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,558/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,637
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,123
−HK$494/mo
Today · 4.125%
HK$16,617
baseline
▲ 0.50% · 4.625%
HK$17,628
+HK$1,011/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,234/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,396
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,862
−HK$473/mo
Today · 4.125%
HK$18,335
baseline
▲ 0.50% · 4.625%
HK$19,302
+HK$967/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,670/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,243
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,810
−HK$577/mo
Today · 4.125%
HK$19,387
baseline
▲ 0.50% · 4.625%
HK$20,566
+HK$1,179/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,774/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,295
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,839
−HK$552/mo
Today · 4.125%
HK$21,391
baseline
▲ 0.50% · 4.625%
HK$22,519
+HK$1,128/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,782/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,455
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,184
−HK$742/mo
Today · 4.125%
HK$24,926
baseline
▲ 0.50% · 4.625%
HK$26,442
+HK$1,516/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,852/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,093
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,793
−HK$710/mo
Today · 4.125%
HK$27,503
baseline
▲ 0.50% · 4.625%
HK$28,953
+HK$1,450/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$55,006/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,576 · 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).