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$12,949
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,351
−HK$410/mo
Today · 4.125%
HK$13,761
baseline
▲ 0.50% · 4.625%
HK$14,598
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,522/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,405
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,791
−HK$392/mo
Today · 4.125%
HK$15,183
baseline
▲ 0.50% · 4.625%
HK$15,984
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,366/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,538
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,022
−HK$491/mo
Today · 4.125%
HK$16,513
baseline
▲ 0.50% · 4.625%
HK$17,517
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,026/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,286
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,750
−HK$470/mo
Today · 4.125%
HK$18,220
baseline
▲ 0.50% · 4.625%
HK$19,180
+HK$960/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,440/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,128
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,692
−HK$573/mo
Today · 4.125%
HK$19,265
baseline
▲ 0.50% · 4.625%
HK$20,437
+HK$1,172/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,530/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,167
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,708
−HK$549/mo
Today · 4.125%
HK$21,257
baseline
▲ 0.50% · 4.625%
HK$22,377
+HK$1,120/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,514/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,307
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,032
−HK$737/mo
Today · 4.125%
HK$24,769
baseline
▲ 0.50% · 4.625%
HK$26,276
+HK$1,507/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,538/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,929
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,625
−HK$705/mo
Today · 4.125%
HK$27,330
baseline
▲ 0.50% · 4.625%
HK$28,771
+HK$1,441/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,660/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,768 · 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).