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$13,422
−HK$411/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$128,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,481
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,870
−HK$394/mo
Today · 4.125%
HK$15,264
baseline
▲ 0.50% · 4.625%
HK$16,068
+HK$804/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,528/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,620
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,106
−HK$494/mo
Today · 4.125%
HK$16,600
baseline
▲ 0.50% · 4.625%
HK$17,610
+HK$1,010/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$33,200/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,378
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,844
−HK$472/mo
Today · 4.125%
HK$18,316
baseline
▲ 0.50% · 4.625%
HK$19,282
+HK$966/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$128,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,224
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,791
−HK$576/mo
Today · 4.125%
HK$19,367
baseline
▲ 0.50% · 4.625%
HK$20,545
+HK$1,178/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,734/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,274
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,818
−HK$551/mo
Today · 4.125%
HK$21,369
baseline
▲ 0.50% · 4.625%
HK$22,496
+HK$1,127/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,738/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,431
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,160
−HK$740/mo
Today · 4.125%
HK$24,900
baseline
▲ 0.50% · 4.625%
HK$26,415
+HK$1,515/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,800/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,066
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,765
−HK$710/mo
Today · 4.125%
HK$27,475
baseline
▲ 0.50% · 4.625%
HK$28,923
+HK$1,448/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$54,950/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,444 · 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).