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$12,930
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,333
−HK$408/mo
Today · 4.125%
HK$13,741
baseline
▲ 0.50% · 4.625%
HK$14,577
+HK$836/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,482/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,385
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,771
−HK$391/mo
Today · 4.125%
HK$15,162
baseline
▲ 0.50% · 4.625%
HK$15,961
+HK$799/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,324/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,516
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,999
−HK$490/mo
Today · 4.125%
HK$16,489
baseline
▲ 0.50% · 4.625%
HK$17,493
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,978/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,262
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,725
−HK$469/mo
Today · 4.125%
HK$18,194
baseline
▲ 0.50% · 4.625%
HK$19,154
+HK$960/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,388/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,103
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,666
−HK$572/mo
Today · 4.125%
HK$19,238
baseline
▲ 0.50% · 4.625%
HK$20,408
+HK$1,170/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,476/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,139
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,679
−HK$548/mo
Today · 4.125%
HK$21,227
baseline
▲ 0.50% · 4.625%
HK$22,346
+HK$1,119/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,454/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,275
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,999
−HK$735/mo
Today · 4.125%
HK$24,734
baseline
▲ 0.50% · 4.625%
HK$26,239
+HK$1,505/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,468/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,893
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,587
−HK$705/mo
Today · 4.125%
HK$27,292
baseline
▲ 0.50% · 4.625%
HK$28,730
+HK$1,438/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,584/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,588 · 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).