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$12,906
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,308
−HK$408/mo
Today · 4.125%
HK$13,716
baseline
▲ 0.50% · 4.625%
HK$14,550
+HK$834/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,432/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,358
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,743
−HK$391/mo
Today · 4.125%
HK$15,134
baseline
▲ 0.50% · 4.625%
HK$15,932
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,268/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,488
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,970
−HK$489/mo
Today · 4.125%
HK$16,459
baseline
▲ 0.50% · 4.625%
HK$17,460
+HK$1,001/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$32,918/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,230
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,692
−HK$469/mo
Today · 4.125%
HK$18,161
baseline
▲ 0.50% · 4.625%
HK$19,118
+HK$957/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$36,322/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,069
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,631
−HK$571/mo
Today · 4.125%
HK$19,202
baseline
▲ 0.50% · 4.625%
HK$20,371
+HK$1,169/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,404/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,102
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,641
−HK$547/mo
Today · 4.125%
HK$21,188
baseline
▲ 0.50% · 4.625%
HK$22,305
+HK$1,117/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,376/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,232
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,954
−HK$735/mo
Today · 4.125%
HK$24,689
baseline
▲ 0.50% · 4.625%
HK$26,191
+HK$1,502/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$49,378/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,845
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,538
−HK$703/mo
Today · 4.125%
HK$27,241
baseline
▲ 0.50% · 4.625%
HK$28,677
+HK$1,436/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$54,482/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,353 · 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).