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$13,045
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,451
−HK$412/mo
Today · 4.125%
HK$13,863
baseline
▲ 0.50% · 4.625%
HK$14,706
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,726/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,512
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,902
−HK$394/mo
Today · 4.125%
HK$15,296
baseline
▲ 0.50% · 4.625%
HK$16,103
+HK$807/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,592/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,654
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,141
−HK$494/mo
Today · 4.125%
HK$16,635
baseline
▲ 0.50% · 4.625%
HK$17,648
+HK$1,013/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,270/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,415
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,882
−HK$474/mo
Today · 4.125%
HK$18,356
baseline
▲ 0.50% · 4.625%
HK$19,323
+HK$967/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,712/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,263
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,831
−HK$577/mo
Today · 4.125%
HK$19,408
baseline
▲ 0.50% · 4.625%
HK$20,589
+HK$1,181/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$38,816/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,317
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,862
−HK$553/mo
Today · 4.125%
HK$21,415
baseline
▲ 0.50% · 4.625%
HK$22,544
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$42,830/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,481
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,211
−HK$742/mo
Today · 4.125%
HK$24,953
baseline
▲ 0.50% · 4.625%
HK$26,472
+HK$1,519/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,906/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,122
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,823
−HK$710/mo
Today · 4.125%
HK$27,533
baseline
▲ 0.50% · 4.625%
HK$28,985
+HK$1,452/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,066/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,718 · 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).