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$13,018
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,423
−HK$411/mo
Today · 4.125%
HK$13,834
baseline
▲ 0.50% · 4.625%
HK$14,676
+HK$842/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,668/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,482
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,871
−HK$394/mo
Today · 4.125%
HK$15,265
baseline
▲ 0.50% · 4.625%
HK$16,069
+HK$804/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,530/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,622
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,107
−HK$494/mo
Today · 4.125%
HK$16,601
baseline
▲ 0.50% · 4.625%
HK$17,611
+HK$1,010/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$33,202/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,379
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,845
−HK$473/mo
Today · 4.125%
HK$18,318
baseline
▲ 0.50% · 4.625%
HK$19,283
+HK$965/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$36,636/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,225
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,792
−HK$576/mo
Today · 4.125%
HK$19,368
baseline
▲ 0.50% · 4.625%
HK$20,546
+HK$1,178/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,736/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,275
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,819
−HK$552/mo
Today · 4.125%
HK$21,371
baseline
▲ 0.50% · 4.625%
HK$22,497
+HK$1,126/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,742/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,432
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,161
−HK$741/mo
Today · 4.125%
HK$24,902
baseline
▲ 0.50% · 4.625%
HK$26,417
+HK$1,515/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,804/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,068
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,767
−HK$710/mo
Today · 4.125%
HK$27,477
baseline
▲ 0.50% · 4.625%
HK$28,925
+HK$1,448/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$54,954/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,453 · 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).