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$12,920
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,322
−HK$409/mo
Today · 4.125%
HK$13,731
baseline
▲ 0.50% · 4.625%
HK$14,566
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,462/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,374
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,759
−HK$391/mo
Today · 4.125%
HK$15,150
baseline
▲ 0.50% · 4.625%
HK$15,949
+HK$799/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,300/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,504
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,987
−HK$490/mo
Today · 4.125%
HK$16,477
baseline
▲ 0.50% · 4.625%
HK$17,479
+HK$1,002/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,954/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,249
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,711
−HK$469/mo
Today · 4.125%
HK$18,180
baseline
▲ 0.50% · 4.625%
HK$19,139
+HK$959/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,360/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,088
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,651
−HK$572/mo
Today · 4.125%
HK$19,223
baseline
▲ 0.50% · 4.625%
HK$20,392
+HK$1,169/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,446/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,123
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,663
−HK$547/mo
Today · 4.125%
HK$21,210
baseline
▲ 0.50% · 4.625%
HK$22,328
+HK$1,118/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,420/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,257
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,980
−HK$735/mo
Today · 4.125%
HK$24,715
baseline
▲ 0.50% · 4.625%
HK$26,219
+HK$1,504/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,430/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,873
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,567
−HK$704/mo
Today · 4.125%
HK$27,271
baseline
▲ 0.50% · 4.625%
HK$28,708
+HK$1,437/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,542/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,490 · 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).