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$12,893
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,294
−HK$407/mo
Today · 4.125%
HK$13,701
baseline
▲ 0.50% · 4.625%
HK$14,535
+HK$834/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,402/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,343
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,728
−HK$390/mo
Today · 4.125%
HK$15,118
baseline
▲ 0.50% · 4.625%
HK$15,915
+HK$797/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,236/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,471
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,952
−HK$489/mo
Today · 4.125%
HK$16,441
baseline
▲ 0.50% · 4.625%
HK$17,442
+HK$1,001/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,882/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,212
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,673
−HK$468/mo
Today · 4.125%
HK$18,141
baseline
▲ 0.50% · 4.625%
HK$19,098
+HK$957/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,282/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,050
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,611
−HK$571/mo
Today · 4.125%
HK$19,182
baseline
▲ 0.50% · 4.625%
HK$20,349
+HK$1,167/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,364/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,080
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,619
−HK$546/mo
Today · 4.125%
HK$21,165
baseline
▲ 0.50% · 4.625%
HK$22,281
+HK$1,116/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,330/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,207
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,929
−HK$733/mo
Today · 4.125%
HK$24,662
baseline
▲ 0.50% · 4.625%
HK$26,163
+HK$1,501/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$49,324/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,817
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,510
−HK$702/mo
Today · 4.125%
HK$27,212
baseline
▲ 0.50% · 4.625%
HK$28,647
+HK$1,435/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$54,424/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,216 · 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).