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$12,919
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,321
−HK$408/mo
Today · 4.125%
HK$13,729
baseline
▲ 0.50% · 4.625%
HK$14,564
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,458/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,372
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,758
−HK$391/mo
Today · 4.125%
HK$15,149
baseline
▲ 0.50% · 4.625%
HK$15,947
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,298/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,503
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,985
−HK$490/mo
Today · 4.125%
HK$16,475
baseline
▲ 0.50% · 4.625%
HK$17,477
+HK$1,002/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,950/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,247
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,709
−HK$469/mo
Today · 4.125%
HK$18,178
baseline
▲ 0.50% · 4.625%
HK$19,137
+HK$959/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,356/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,086
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,649
−HK$572/mo
Today · 4.125%
HK$19,221
baseline
▲ 0.50% · 4.625%
HK$20,390
+HK$1,169/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,442/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,121
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,661
−HK$547/mo
Today · 4.125%
HK$21,208
baseline
▲ 0.50% · 4.625%
HK$22,326
+HK$1,118/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,416/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,254
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,977
−HK$735/mo
Today · 4.125%
HK$24,712
baseline
▲ 0.50% · 4.625%
HK$26,216
+HK$1,504/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,424/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,870
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,564
−HK$703/mo
Today · 4.125%
HK$27,267
baseline
▲ 0.50% · 4.625%
HK$28,705
+HK$1,438/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,534/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,475 · 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).