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$12,970
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,373
−HK$410/mo
Today · 4.125%
HK$13,783
baseline
▲ 0.50% · 4.625%
HK$14,622
+HK$839/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,566/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,429
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,816
−HK$392/mo
Today · 4.125%
HK$15,208
baseline
▲ 0.50% · 4.625%
HK$16,010
+HK$802/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,416/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,564
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,048
−HK$492/mo
Today · 4.125%
HK$16,540
baseline
▲ 0.50% · 4.625%
HK$17,546
+HK$1,006/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$33,080/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,314
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,779
−HK$471/mo
Today · 4.125%
HK$18,250
baseline
▲ 0.50% · 4.625%
HK$19,212
+HK$962/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$36,500/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,158
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,722
−HK$574/mo
Today · 4.125%
HK$19,296
baseline
▲ 0.50% · 4.625%
HK$20,470
+HK$1,174/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,592/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,200
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,742
−HK$549/mo
Today · 4.125%
HK$21,291
baseline
▲ 0.50% · 4.625%
HK$22,414
+HK$1,123/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,582/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,345
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,072
−HK$737/mo
Today · 4.125%
HK$24,809
baseline
▲ 0.50% · 4.625%
HK$26,319
+HK$1,510/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,618/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$127,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,972
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,668
−HK$707/mo
Today · 4.125%
HK$27,375
baseline
▲ 0.50% · 4.625%
HK$28,818
+HK$1,443/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,750/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$127,976 · 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).