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$12,888
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,289
−HK$407/mo
Today · 4.125%
HK$13,696
baseline
▲ 0.50% · 4.625%
HK$14,529
+HK$833/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,392/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,338
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,722
−HK$390/mo
Today · 4.125%
HK$15,112
baseline
▲ 0.50% · 4.625%
HK$15,909
+HK$797/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,224/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,465
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,946
−HK$489/mo
Today · 4.125%
HK$16,435
baseline
▲ 0.50% · 4.625%
HK$17,435
+HK$1,000/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,870/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,205
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,666
−HK$469/mo
Today · 4.125%
HK$18,135
baseline
▲ 0.50% · 4.625%
HK$19,090
+HK$955/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,270/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,043
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,604
−HK$570/mo
Today · 4.125%
HK$19,174
baseline
▲ 0.50% · 4.625%
HK$20,341
+HK$1,167/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,348/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,073
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,611
−HK$546/mo
Today · 4.125%
HK$21,157
baseline
▲ 0.50% · 4.625%
HK$22,272
+HK$1,115/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,314/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,198
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,920
−HK$733/mo
Today · 4.125%
HK$24,653
baseline
▲ 0.50% · 4.625%
HK$26,153
+HK$1,500/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$49,306/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,808
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,500
−HK$702/mo
Today · 4.125%
HK$27,202
baseline
▲ 0.50% · 4.625%
HK$28,636
+HK$1,434/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$54,404/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,168 · 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).