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$12,933
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,335
−HK$409/mo
Today · 4.125%
HK$13,744
baseline
▲ 0.50% · 4.625%
HK$14,580
+HK$836/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,488/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,387
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,773
−HK$392/mo
Today · 4.125%
HK$15,165
baseline
▲ 0.50% · 4.625%
HK$15,964
+HK$799/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,330/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,519
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,002
−HK$490/mo
Today · 4.125%
HK$16,492
baseline
▲ 0.50% · 4.625%
HK$17,496
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,984/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,265
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,728
−HK$470/mo
Today · 4.125%
HK$18,198
baseline
▲ 0.50% · 4.625%
HK$19,157
+HK$959/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,396/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,106
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,669
−HK$572/mo
Today · 4.125%
HK$19,241
baseline
▲ 0.50% · 4.625%
HK$20,412
+HK$1,171/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,482/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,142
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,682
−HK$548/mo
Today · 4.125%
HK$21,230
baseline
▲ 0.50% · 4.625%
HK$22,350
+HK$1,120/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,460/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,279
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$24,003
−HK$735/mo
Today · 4.125%
HK$24,738
baseline
▲ 0.50% · 4.625%
HK$26,244
+HK$1,506/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,476/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,897
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,592
−HK$704/mo
Today · 4.125%
HK$27,296
baseline
▲ 0.50% · 4.625%
HK$28,735
+HK$1,439/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,592/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,610 · 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).