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$13,020
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,425
−HK$412/mo
Today · 4.125%
HK$13,837
baseline
▲ 0.50% · 4.625%
HK$14,679
+HK$842/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,674/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,485
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,873
−HK$394/mo
Today · 4.125%
HK$15,267
baseline
▲ 0.50% · 4.625%
HK$16,072
+HK$805/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,534/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,624
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,110
−HK$494/mo
Today · 4.125%
HK$16,604
baseline
▲ 0.50% · 4.625%
HK$17,614
+HK$1,010/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$33,208/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,382
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,848
−HK$473/mo
Today · 4.125%
HK$18,321
baseline
▲ 0.50% · 4.625%
HK$19,287
+HK$966/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$36,642/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,228
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,795
−HK$576/mo
Today · 4.125%
HK$19,371
baseline
▲ 0.50% · 4.625%
HK$20,550
+HK$1,179/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,742/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,279
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,823
−HK$551/mo
Today · 4.125%
HK$21,374
baseline
▲ 0.50% · 4.625%
HK$22,501
+HK$1,127/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,748/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,436
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,165
−HK$741/mo
Today · 4.125%
HK$24,906
baseline
▲ 0.50% · 4.625%
HK$26,421
+HK$1,515/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,812/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,073
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,772
−HK$709/mo
Today · 4.125%
HK$27,481
baseline
▲ 0.50% · 4.625%
HK$28,930
+HK$1,449/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$54,962/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,474 · 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).