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$12,888
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,289
−HK$407/mo
Today · 4.125%
HK$13,696
baseline
▲ 0.50% · 4.625%
HK$14,530
+HK$834/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,392/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,338
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,723
−HK$390/mo
Today · 4.125%
HK$15,113
baseline
▲ 0.50% · 4.625%
HK$15,909
+HK$796/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,226/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,466
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,947
−HK$489/mo
Today · 4.125%
HK$16,436
baseline
▲ 0.50% · 4.625%
HK$17,436
+HK$1,000/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,872/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,206
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,667
−HK$468/mo
Today · 4.125%
HK$18,135
baseline
▲ 0.50% · 4.625%
HK$19,091
+HK$956/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,270/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,044
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,605
−HK$570/mo
Today · 4.125%
HK$19,175
baseline
▲ 0.50% · 4.625%
HK$20,342
+HK$1,167/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,350/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,073
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,612
−HK$546/mo
Today · 4.125%
HK$21,158
baseline
▲ 0.50% · 4.625%
HK$22,273
+HK$1,115/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,316/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,199
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,920
−HK$734/mo
Today · 4.125%
HK$24,654
baseline
▲ 0.50% · 4.625%
HK$26,154
+HK$1,500/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$49,308/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,808
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,501
−HK$702/mo
Today · 4.125%
HK$27,203
baseline
▲ 0.50% · 4.625%
HK$28,637
+HK$1,434/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$54,406/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,173 · 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).