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$12,950
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,352
−HK$410/mo
Today · 4.125%
HK$13,762
baseline
▲ 0.50% · 4.625%
HK$14,599
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,524/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,406
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,793
−HK$392/mo
Today · 4.125%
HK$15,185
baseline
▲ 0.50% · 4.625%
HK$15,985
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,370/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,539
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,023
−HK$491/mo
Today · 4.125%
HK$16,514
baseline
▲ 0.50% · 4.625%
HK$17,519
+HK$1,005/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,028/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,288
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,751
−HK$471/mo
Today · 4.125%
HK$18,222
baseline
▲ 0.50% · 4.625%
HK$19,182
+HK$960/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,444/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,129
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,693
−HK$573/mo
Today · 4.125%
HK$19,266
baseline
▲ 0.50% · 4.625%
HK$20,439
+HK$1,173/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$38,532/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,169
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,710
−HK$548/mo
Today · 4.125%
HK$21,258
baseline
▲ 0.50% · 4.625%
HK$22,379
+HK$1,121/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$42,516/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,309
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,034
−HK$737/mo
Today · 4.125%
HK$24,771
baseline
▲ 0.50% · 4.625%
HK$26,278
+HK$1,507/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,542/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,931
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,627
−HK$705/mo
Today · 4.125%
HK$27,332
baseline
▲ 0.50% · 4.625%
HK$28,773
+HK$1,441/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,664/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,778 · 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).