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$128,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,495
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,883
−HK$395/mo
Today · 4.125%
HK$15,278
baseline
▲ 0.50% · 4.625%
HK$16,083
+HK$805/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,556/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,635
−HK$980/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$128,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,393
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,860
−HK$473/mo
Today · 4.125%
HK$18,333
baseline
▲ 0.50% · 4.625%
HK$19,300
+HK$967/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$128,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,240
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,808
−HK$576/mo
Today · 4.125%
HK$19,384
baseline
▲ 0.50% · 4.625%
HK$20,564
+HK$1,180/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$128,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,292
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,837
−HK$552/mo
Today · 4.125%
HK$21,389
baseline
▲ 0.50% · 4.625%
HK$22,516
+HK$1,127/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,778/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,452
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,182
−HK$741/mo
Today · 4.125%
HK$24,923
baseline
▲ 0.50% · 4.625%
HK$26,439
+HK$1,516/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,846/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,090
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,790
−HK$710/mo
Today · 4.125%
HK$27,500
baseline
▲ 0.50% · 4.625%
HK$28,949
+HK$1,449/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$55,000/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,561 · 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).