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$12,948
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,351
−HK$409/mo
Today · 4.125%
HK$13,760
baseline
▲ 0.50% · 4.625%
HK$14,597
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,520/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,404
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,791
−HK$392/mo
Today · 4.125%
HK$15,183
baseline
▲ 0.50% · 4.625%
HK$15,983
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,366/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,538
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,021
−HK$491/mo
Today · 4.125%
HK$16,512
baseline
▲ 0.50% · 4.625%
HK$17,517
+HK$1,005/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,024/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,285
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,749
−HK$470/mo
Today · 4.125%
HK$18,219
baseline
▲ 0.50% · 4.625%
HK$19,180
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,438/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,127
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,691
−HK$573/mo
Today · 4.125%
HK$19,264
baseline
▲ 0.50% · 4.625%
HK$20,436
+HK$1,172/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,528/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,166
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,707
−HK$549/mo
Today · 4.125%
HK$21,256
baseline
▲ 0.50% · 4.625%
HK$22,376
+HK$1,120/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,512/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,306
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,031
−HK$737/mo
Today · 4.125%
HK$24,768
baseline
▲ 0.50% · 4.625%
HK$26,275
+HK$1,507/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,536/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,928
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,623
−HK$706/mo
Today · 4.125%
HK$27,329
baseline
▲ 0.50% · 4.625%
HK$28,769
+HK$1,440/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,658/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,762 · 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).