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$12,965
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,368
−HK$410/mo
Today · 4.125%
HK$13,778
baseline
▲ 0.50% · 4.625%
HK$14,616
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,556/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,423
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,810
−HK$392/mo
Today · 4.125%
HK$15,202
baseline
▲ 0.50% · 4.625%
HK$16,004
+HK$802/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,404/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,558
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,042
−HK$491/mo
Today · 4.125%
HK$16,533
baseline
▲ 0.50% · 4.625%
HK$17,539
+HK$1,006/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,066/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,308
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,772
−HK$471/mo
Today · 4.125%
HK$18,243
baseline
▲ 0.50% · 4.625%
HK$19,205
+HK$962/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,486/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,151
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,715
−HK$574/mo
Today · 4.125%
HK$19,289
baseline
▲ 0.50% · 4.625%
HK$20,463
+HK$1,174/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,578/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,193
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,734
−HK$549/mo
Today · 4.125%
HK$21,283
baseline
▲ 0.50% · 4.625%
HK$22,405
+HK$1,122/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,566/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,337
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,063
−HK$737/mo
Today · 4.125%
HK$24,800
baseline
▲ 0.50% · 4.625%
HK$26,309
+HK$1,509/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,600/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,962
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,658
−HK$706/mo
Today · 4.125%
HK$27,364
baseline
▲ 0.50% · 4.625%
HK$28,807
+HK$1,443/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,728/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,929 · 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).