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$12,911
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,313
−HK$408/mo
Today · 4.125%
HK$13,721
baseline
▲ 0.50% · 4.625%
HK$14,555
+HK$834/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,442/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,363
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,749
−HK$390/mo
Today · 4.125%
HK$15,139
baseline
▲ 0.50% · 4.625%
HK$15,937
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,278/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,493
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,975
−HK$490/mo
Today · 4.125%
HK$16,465
baseline
▲ 0.50% · 4.625%
HK$17,467
+HK$1,002/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$32,930/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,236
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,698
−HK$469/mo
Today · 4.125%
HK$18,167
baseline
▲ 0.50% · 4.625%
HK$19,125
+HK$958/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$36,334/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,075
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,638
−HK$571/mo
Today · 4.125%
HK$19,209
baseline
▲ 0.50% · 4.625%
HK$20,378
+HK$1,169/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,418/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,109
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,648
−HK$547/mo
Today · 4.125%
HK$21,195
baseline
▲ 0.50% · 4.625%
HK$22,312
+HK$1,117/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,390/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,240
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,963
−HK$734/mo
Today · 4.125%
HK$24,697
baseline
▲ 0.50% · 4.625%
HK$26,200
+HK$1,503/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$49,394/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,854
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,547
−HK$704/mo
Today · 4.125%
HK$27,251
baseline
▲ 0.50% · 4.625%
HK$28,687
+HK$1,436/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$54,502/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,397 · 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).