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$13,049
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,455
−HK$412/mo
Today · 4.125%
HK$13,867
baseline
▲ 0.50% · 4.625%
HK$14,711
+HK$844/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,734/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,517
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,906
−HK$395/mo
Today · 4.125%
HK$15,301
baseline
▲ 0.50% · 4.625%
HK$16,108
+HK$807/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,602/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,659
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,146
−HK$495/mo
Today · 4.125%
HK$16,641
baseline
▲ 0.50% · 4.625%
HK$17,653
+HK$1,012/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,282/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,420
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,887
−HK$474/mo
Today · 4.125%
HK$18,361
baseline
▲ 0.50% · 4.625%
HK$19,329
+HK$968/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,722/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,269
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,837
−HK$577/mo
Today · 4.125%
HK$19,414
baseline
▲ 0.50% · 4.625%
HK$20,595
+HK$1,181/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,828/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,324
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,869
−HK$553/mo
Today · 4.125%
HK$21,422
baseline
▲ 0.50% · 4.625%
HK$22,551
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,844/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,488
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,219
−HK$742/mo
Today · 4.125%
HK$24,961
baseline
▲ 0.50% · 4.625%
HK$26,480
+HK$1,519/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,922/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,130
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,831
−HK$711/mo
Today · 4.125%
HK$27,542
baseline
▲ 0.50% · 4.625%
HK$28,994
+HK$1,452/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,084/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,759 · 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).