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$12,946
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,349
−HK$409/mo
Today · 4.125%
HK$13,758
baseline
▲ 0.50% · 4.625%
HK$14,595
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,516/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,402
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,788
−HK$392/mo
Today · 4.125%
HK$15,180
baseline
▲ 0.50% · 4.625%
HK$15,980
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,360/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,535
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,018
−HK$491/mo
Today · 4.125%
HK$16,509
baseline
▲ 0.50% · 4.625%
HK$17,514
+HK$1,005/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,018/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,283
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,746
−HK$470/mo
Today · 4.125%
HK$18,216
baseline
▲ 0.50% · 4.625%
HK$19,177
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,432/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,124
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,688
−HK$573/mo
Today · 4.125%
HK$19,261
baseline
▲ 0.50% · 4.625%
HK$20,433
+HK$1,172/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,522/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,163
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,704
−HK$548/mo
Today · 4.125%
HK$21,252
baseline
▲ 0.50% · 4.625%
HK$22,373
+HK$1,121/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,504/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,303
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,027
−HK$737/mo
Today · 4.125%
HK$24,764
baseline
▲ 0.50% · 4.625%
HK$26,271
+HK$1,507/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,528/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,924
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,619
−HK$706/mo
Today · 4.125%
HK$27,325
baseline
▲ 0.50% · 4.625%
HK$28,765
+HK$1,440/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,650/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,742 · 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).