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$13,041
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,447
−HK$412/mo
Today · 4.125%
HK$13,859
baseline
▲ 0.50% · 4.625%
HK$14,702
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,718/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,508
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,897
−HK$395/mo
Today · 4.125%
HK$15,292
baseline
▲ 0.50% · 4.625%
HK$16,098
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,584/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,649
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,136
−HK$494/mo
Today · 4.125%
HK$16,630
baseline
▲ 0.50% · 4.625%
HK$17,642
+HK$1,012/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,260/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,409
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,876
−HK$474/mo
Today · 4.125%
HK$18,350
baseline
▲ 0.50% · 4.625%
HK$19,317
+HK$967/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,700/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,257
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,825
−HK$577/mo
Today · 4.125%
HK$19,402
baseline
▲ 0.50% · 4.625%
HK$20,583
+HK$1,181/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$38,804/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,311
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,856
−HK$552/mo
Today · 4.125%
HK$21,408
baseline
▲ 0.50% · 4.625%
HK$22,537
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$42,816/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,474
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,204
−HK$742/mo
Today · 4.125%
HK$24,946
baseline
▲ 0.50% · 4.625%
HK$26,463
+HK$1,517/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,892/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,114
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,814
−HK$711/mo
Today · 4.125%
HK$27,525
baseline
▲ 0.50% · 4.625%
HK$28,976
+HK$1,451/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,050/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,679 · 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).