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$12,945
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,348
−HK$409/mo
Today · 4.125%
HK$13,757
baseline
▲ 0.50% · 4.625%
HK$14,594
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,514/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,401
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,787
−HK$392/mo
Today · 4.125%
HK$15,179
baseline
▲ 0.50% · 4.625%
HK$15,979
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,358/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,534
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,017
−HK$491/mo
Today · 4.125%
HK$16,508
baseline
▲ 0.50% · 4.625%
HK$17,513
+HK$1,005/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,016/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,281
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,745
−HK$470/mo
Today · 4.125%
HK$18,215
baseline
▲ 0.50% · 4.625%
HK$19,175
+HK$960/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,430/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,123
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,687
−HK$572/mo
Today · 4.125%
HK$19,259
baseline
▲ 0.50% · 4.625%
HK$20,431
+HK$1,172/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,518/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,162
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,702
−HK$549/mo
Today · 4.125%
HK$21,251
baseline
▲ 0.50% · 4.625%
HK$22,371
+HK$1,120/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,502/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,301
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,026
−HK$736/mo
Today · 4.125%
HK$24,762
baseline
▲ 0.50% · 4.625%
HK$26,269
+HK$1,507/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,524/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,922
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,617
−HK$706/mo
Today · 4.125%
HK$27,323
baseline
▲ 0.50% · 4.625%
HK$28,763
+HK$1,440/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,646/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,733 · 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).