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$12,932
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,334
−HK$409/mo
Today · 4.125%
HK$13,743
baseline
▲ 0.50% · 4.625%
HK$14,579
+HK$836/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,486/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,386
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,772
−HK$392/mo
Today · 4.125%
HK$15,164
baseline
▲ 0.50% · 4.625%
HK$15,963
+HK$799/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,328/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,518
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,001
−HK$490/mo
Today · 4.125%
HK$16,491
baseline
▲ 0.50% · 4.625%
HK$17,495
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,982/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,264
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,727
−HK$469/mo
Today · 4.125%
HK$18,196
baseline
▲ 0.50% · 4.625%
HK$19,155
+HK$959/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,392/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,104
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,667
−HK$573/mo
Today · 4.125%
HK$19,240
baseline
▲ 0.50% · 4.625%
HK$20,410
+HK$1,170/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,480/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,141
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,681
−HK$548/mo
Today · 4.125%
HK$21,229
baseline
▲ 0.50% · 4.625%
HK$22,348
+HK$1,119/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,458/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,277
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,001
−HK$736/mo
Today · 4.125%
HK$24,737
baseline
▲ 0.50% · 4.625%
HK$26,242
+HK$1,505/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,474/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,895
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,590
−HK$704/mo
Today · 4.125%
HK$27,294
baseline
▲ 0.50% · 4.625%
HK$28,733
+HK$1,439/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,588/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,601 · 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).