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$12,955
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,358
−HK$409/mo
Today · 4.125%
HK$13,767
baseline
▲ 0.50% · 4.625%
HK$14,605
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,534/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,412
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,799
−HK$392/mo
Today · 4.125%
HK$15,191
baseline
▲ 0.50% · 4.625%
HK$15,992
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,382/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,546
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,030
−HK$491/mo
Today · 4.125%
HK$16,521
baseline
▲ 0.50% · 4.625%
HK$17,526
+HK$1,005/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,042/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,295
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,759
−HK$470/mo
Today · 4.125%
HK$18,229
baseline
▲ 0.50% · 4.625%
HK$19,190
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,458/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,137
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,701
−HK$573/mo
Today · 4.125%
HK$19,274
baseline
▲ 0.50% · 4.625%
HK$20,447
+HK$1,173/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$38,548/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,177
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,718
−HK$549/mo
Today · 4.125%
HK$21,267
baseline
▲ 0.50% · 4.625%
HK$22,388
+HK$1,121/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$42,534/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,319
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,044
−HK$737/mo
Today · 4.125%
HK$24,781
baseline
▲ 0.50% · 4.625%
HK$26,289
+HK$1,508/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,562/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,942
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,638
−HK$706/mo
Today · 4.125%
HK$27,344
baseline
▲ 0.50% · 4.625%
HK$28,785
+HK$1,441/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,688/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,832 · 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).