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$12,897
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,298
−HK$408/mo
Today · 4.125%
HK$13,706
baseline
▲ 0.50% · 4.625%
HK$14,540
+HK$834/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,412/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,348
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,733
−HK$390/mo
Today · 4.125%
HK$15,123
baseline
▲ 0.50% · 4.625%
HK$15,920
+HK$797/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,246/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,476
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,958
−HK$489/mo
Today · 4.125%
HK$16,447
baseline
▲ 0.50% · 4.625%
HK$17,448
+HK$1,001/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,894/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,217
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,679
−HK$469/mo
Today · 4.125%
HK$18,148
baseline
▲ 0.50% · 4.625%
HK$19,104
+HK$956/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,296/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,056
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,618
−HK$570/mo
Today · 4.125%
HK$19,188
baseline
▲ 0.50% · 4.625%
HK$20,356
+HK$1,168/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,376/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,087
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,626
−HK$546/mo
Today · 4.125%
HK$21,172
baseline
▲ 0.50% · 4.625%
HK$22,288
+HK$1,116/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,344/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,215
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,937
−HK$734/mo
Today · 4.125%
HK$24,671
baseline
▲ 0.50% · 4.625%
HK$26,172
+HK$1,501/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$49,342/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,826
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,519
−HK$702/mo
Today · 4.125%
HK$27,221
baseline
▲ 0.50% · 4.625%
HK$28,656
+HK$1,435/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$54,442/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,260 · 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).