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$13,065
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,472
−HK$412/mo
Today · 4.125%
HK$13,884
baseline
▲ 0.50% · 4.625%
HK$14,729
+HK$845/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,768/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,535
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,925
−HK$395/mo
Today · 4.125%
HK$15,320
baseline
▲ 0.50% · 4.625%
HK$16,128
+HK$808/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,640/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,678
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,166
−HK$495/mo
Today · 4.125%
HK$16,661
baseline
▲ 0.50% · 4.625%
HK$17,675
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,322/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,442
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,910
−HK$474/mo
Today · 4.125%
HK$18,384
baseline
▲ 0.50% · 4.625%
HK$19,353
+HK$969/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,768/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,291
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,860
−HK$578/mo
Today · 4.125%
HK$19,438
baseline
▲ 0.50% · 4.625%
HK$20,621
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,876/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,349
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,895
−HK$553/mo
Today · 4.125%
HK$21,448
baseline
▲ 0.50% · 4.625%
HK$22,579
+HK$1,131/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,896/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,517
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,249
−HK$743/mo
Today · 4.125%
HK$24,992
baseline
▲ 0.50% · 4.625%
HK$26,513
+HK$1,521/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$49,984/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,163
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,864
−HK$712/mo
Today · 4.125%
HK$27,576
baseline
▲ 0.50% · 4.625%
HK$29,030
+HK$1,454/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,152/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,919 · 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).