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$12,923
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,325
−HK$408/mo
Today · 4.125%
HK$13,733
baseline
▲ 0.50% · 4.625%
HK$14,569
+HK$836/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,466/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,376
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,762
−HK$391/mo
Today · 4.125%
HK$15,153
baseline
▲ 0.50% · 4.625%
HK$15,952
+HK$799/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,306/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,507
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,990
−HK$490/mo
Today · 4.125%
HK$16,480
baseline
▲ 0.50% · 4.625%
HK$17,483
+HK$1,003/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,960/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,252
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,714
−HK$470/mo
Today · 4.125%
HK$18,184
baseline
▲ 0.50% · 4.625%
HK$19,142
+HK$958/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,368/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,092
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,655
−HK$571/mo
Today · 4.125%
HK$19,226
baseline
▲ 0.50% · 4.625%
HK$20,396
+HK$1,170/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,452/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,127
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,667
−HK$547/mo
Today · 4.125%
HK$21,214
baseline
▲ 0.50% · 4.625%
HK$22,333
+HK$1,119/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,428/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,261
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,985
−HK$735/mo
Today · 4.125%
HK$24,720
baseline
▲ 0.50% · 4.625%
HK$26,224
+HK$1,504/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,440/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,878
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,572
−HK$704/mo
Today · 4.125%
HK$27,276
baseline
▲ 0.50% · 4.625%
HK$28,713
+HK$1,437/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,552/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,514 · 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).