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$13,058
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,464
−HK$413/mo
Today · 4.125%
HK$13,877
baseline
▲ 0.50% · 4.625%
HK$14,721
+HK$844/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,754/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,527
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,916
−HK$395/mo
Today · 4.125%
HK$15,311
baseline
▲ 0.50% · 4.625%
HK$16,119
+HK$808/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,622/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,669
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,157
−HK$495/mo
Today · 4.125%
HK$16,652
baseline
▲ 0.50% · 4.625%
HK$17,665
+HK$1,013/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,304/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,432
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,899
−HK$475/mo
Today · 4.125%
HK$18,374
baseline
▲ 0.50% · 4.625%
HK$19,342
+HK$968/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,748/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,281
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,849
−HK$578/mo
Today · 4.125%
HK$19,427
baseline
▲ 0.50% · 4.625%
HK$20,609
+HK$1,182/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,854/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,337
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,883
−HK$553/mo
Today · 4.125%
HK$21,436
baseline
▲ 0.50% · 4.625%
HK$22,566
+HK$1,130/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,872/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,504
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,235
−HK$743/mo
Today · 4.125%
HK$24,978
baseline
▲ 0.50% · 4.625%
HK$26,498
+HK$1,520/mo
Deposit HK$573K · loan HK$5.15M · min. income ≈ HK$49,956/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,148
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,849
−HK$712/mo
Today · 4.125%
HK$27,561
baseline
▲ 0.50% · 4.625%
HK$29,013
+HK$1,452/mo
Deposit HK$573K · loan HK$5.15M · min. income ≈ HK$55,122/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,845 · 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).