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$12,977
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,380
−HK$410/mo
Today · 4.125%
HK$13,790
baseline
▲ 0.50% · 4.625%
HK$14,630
+HK$840/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,580/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,436
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,824
−HK$392/mo
Today · 4.125%
HK$15,216
baseline
▲ 0.50% · 4.625%
HK$16,018
+HK$802/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,432/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,572
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,056
−HK$493/mo
Today · 4.125%
HK$16,549
baseline
▲ 0.50% · 4.625%
HK$17,555
+HK$1,006/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$33,098/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$128,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,324
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,788
−HK$472/mo
Today · 4.125%
HK$18,260
baseline
▲ 0.50% · 4.625%
HK$19,222
+HK$962/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$36,520/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$128,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,167
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,733
−HK$574/mo
Today · 4.125%
HK$19,307
baseline
▲ 0.50% · 4.625%
HK$20,481
+HK$1,174/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,614/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,211
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,753
−HK$550/mo
Today · 4.125%
HK$21,303
baseline
▲ 0.50% · 4.625%
HK$22,426
+HK$1,123/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,606/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,358
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,085
−HK$738/mo
Today · 4.125%
HK$24,823
baseline
▲ 0.50% · 4.625%
HK$26,333
+HK$1,510/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,646/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,986
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,683
−HK$707/mo
Today · 4.125%
HK$27,390
baseline
▲ 0.50% · 4.625%
HK$28,833
+HK$1,443/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,780/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,046 · 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).