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$12,975
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,379
−HK$410/mo
Today · 4.125%
HK$13,789
baseline
▲ 0.50% · 4.625%
HK$14,628
+HK$839/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,578/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,435
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,822
−HK$393/mo
Today · 4.125%
HK$15,215
baseline
▲ 0.50% · 4.625%
HK$16,017
+HK$802/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,430/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,571
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,055
−HK$492/mo
Today · 4.125%
HK$16,547
baseline
▲ 0.50% · 4.625%
HK$17,554
+HK$1,007/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$33,094/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$128,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,322
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,787
−HK$471/mo
Today · 4.125%
HK$18,258
baseline
▲ 0.50% · 4.625%
HK$19,220
+HK$962/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$36,516/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$128,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,166
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,731
−HK$574/mo
Today · 4.125%
HK$19,305
baseline
▲ 0.50% · 4.625%
HK$20,479
+HK$1,174/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,610/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,209
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,751
−HK$550/mo
Today · 4.125%
HK$21,301
baseline
▲ 0.50% · 4.625%
HK$22,424
+HK$1,123/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,602/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,356
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,082
−HK$738/mo
Today · 4.125%
HK$24,820
baseline
▲ 0.50% · 4.625%
HK$26,331
+HK$1,511/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,640/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,983
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,680
−HK$707/mo
Today · 4.125%
HK$27,387
baseline
▲ 0.50% · 4.625%
HK$28,831
+HK$1,444/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,774/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,034 · 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).