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$12,909
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,311
−HK$408/mo
Today · 4.125%
HK$13,719
baseline
▲ 0.50% · 4.625%
HK$14,554
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,438/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,362
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,747
−HK$391/mo
Today · 4.125%
HK$15,138
baseline
▲ 0.50% · 4.625%
HK$15,936
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,276/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,491
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,973
−HK$490/mo
Today · 4.125%
HK$16,463
baseline
▲ 0.50% · 4.625%
HK$17,465
+HK$1,002/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$32,926/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,234
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,696
−HK$469/mo
Today · 4.125%
HK$18,165
baseline
▲ 0.50% · 4.625%
HK$19,123
+HK$958/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$36,330/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,073
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,635
−HK$572/mo
Today · 4.125%
HK$19,207
baseline
▲ 0.50% · 4.625%
HK$20,375
+HK$1,168/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,414/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,106
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,646
−HK$547/mo
Today · 4.125%
HK$21,193
baseline
▲ 0.50% · 4.625%
HK$22,310
+HK$1,117/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,386/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,237
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,960
−HK$734/mo
Today · 4.125%
HK$24,694
baseline
▲ 0.50% · 4.625%
HK$26,197
+HK$1,503/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$49,388/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,851
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,544
−HK$704/mo
Today · 4.125%
HK$27,248
baseline
▲ 0.50% · 4.625%
HK$28,684
+HK$1,436/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$54,496/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,383 · 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).