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$12,943
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,345
−HK$409/mo
Today · 4.125%
HK$13,754
baseline
▲ 0.50% · 4.625%
HK$14,591
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,508/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,398
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,785
−HK$391/mo
Today · 4.125%
HK$15,176
baseline
▲ 0.50% · 4.625%
HK$15,976
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,352/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,531
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,014
−HK$491/mo
Today · 4.125%
HK$16,505
baseline
▲ 0.50% · 4.625%
HK$17,509
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,010/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,278
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,742
−HK$470/mo
Today · 4.125%
HK$18,212
baseline
▲ 0.50% · 4.625%
HK$19,172
+HK$960/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,424/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,120
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,683
−HK$573/mo
Today · 4.125%
HK$19,256
baseline
▲ 0.50% · 4.625%
HK$20,428
+HK$1,172/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,512/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,158
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,698
−HK$549/mo
Today · 4.125%
HK$21,247
baseline
▲ 0.50% · 4.625%
HK$22,367
+HK$1,120/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,494/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,297
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,021
−HK$737/mo
Today · 4.125%
HK$24,758
baseline
▲ 0.50% · 4.625%
HK$26,264
+HK$1,506/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,516/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,917
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,612
−HK$705/mo
Today · 4.125%
HK$27,317
baseline
▲ 0.50% · 4.625%
HK$28,757
+HK$1,440/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,634/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,709 · 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).