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$13,017
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,421
−HK$412/mo
Today · 4.125%
HK$13,833
baseline
▲ 0.50% · 4.625%
HK$14,675
+HK$842/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,666/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,481
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,869
−HK$394/mo
Today · 4.125%
HK$15,263
baseline
▲ 0.50% · 4.625%
HK$16,068
+HK$805/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,526/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,620
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,106
−HK$493/mo
Today · 4.125%
HK$16,599
baseline
▲ 0.50% · 4.625%
HK$17,609
+HK$1,010/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$33,198/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,377
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,843
−HK$473/mo
Today · 4.125%
HK$18,316
baseline
▲ 0.50% · 4.625%
HK$19,281
+HK$965/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$36,632/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,223
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,790
−HK$576/mo
Today · 4.125%
HK$19,366
baseline
▲ 0.50% · 4.625%
HK$20,544
+HK$1,178/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,732/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,273
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,817
−HK$551/mo
Today · 4.125%
HK$21,368
baseline
▲ 0.50% · 4.625%
HK$22,495
+HK$1,127/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,736/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,430
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,159
−HK$740/mo
Today · 4.125%
HK$24,899
baseline
▲ 0.50% · 4.625%
HK$26,414
+HK$1,515/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,798/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,065
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,765
−HK$709/mo
Today · 4.125%
HK$27,474
baseline
▲ 0.50% · 4.625%
HK$28,922
+HK$1,448/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$54,948/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,439 · 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).