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$13,029
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,434
−HK$412/mo
Today · 4.125%
HK$13,846
baseline
▲ 0.50% · 4.625%
HK$14,688
+HK$842/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,692/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,494
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,883
−HK$394/mo
Today · 4.125%
HK$15,277
baseline
▲ 0.50% · 4.625%
HK$16,083
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,554/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,634
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,121
−HK$494/mo
Today · 4.125%
HK$16,615
baseline
▲ 0.50% · 4.625%
HK$17,626
+HK$1,011/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,230/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,393
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,859
−HK$474/mo
Today · 4.125%
HK$18,333
baseline
▲ 0.50% · 4.625%
HK$19,299
+HK$966/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,666/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,240
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,807
−HK$577/mo
Today · 4.125%
HK$19,384
baseline
▲ 0.50% · 4.625%
HK$20,563
+HK$1,179/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,768/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,292
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,836
−HK$552/mo
Today · 4.125%
HK$21,388
baseline
▲ 0.50% · 4.625%
HK$22,516
+HK$1,128/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,776/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,451
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,181
−HK$741/mo
Today · 4.125%
HK$24,922
baseline
▲ 0.50% · 4.625%
HK$26,439
+HK$1,517/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,844/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,090
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,789
−HK$710/mo
Today · 4.125%
HK$27,499
baseline
▲ 0.50% · 4.625%
HK$28,949
+HK$1,450/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$54,998/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,558 · 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).