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$13,020
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,424
−HK$412/mo
Today · 4.125%
HK$13,836
baseline
▲ 0.50% · 4.625%
HK$14,678
+HK$842/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,672/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,484
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,873
−HK$394/mo
Today · 4.125%
HK$15,267
baseline
▲ 0.50% · 4.625%
HK$16,071
+HK$804/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,534/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,623
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,109
−HK$494/mo
Today · 4.125%
HK$16,603
baseline
▲ 0.50% · 4.625%
HK$17,613
+HK$1,010/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$33,206/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,381
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,847
−HK$473/mo
Today · 4.125%
HK$18,320
baseline
▲ 0.50% · 4.625%
HK$19,286
+HK$966/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$36,640/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,227
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,794
−HK$576/mo
Today · 4.125%
HK$19,370
baseline
▲ 0.50% · 4.625%
HK$20,549
+HK$1,179/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,740/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,278
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,822
−HK$551/mo
Today · 4.125%
HK$21,373
baseline
▲ 0.50% · 4.625%
HK$22,500
+HK$1,127/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,746/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,435
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,164
−HK$741/mo
Today · 4.125%
HK$24,905
baseline
▲ 0.50% · 4.625%
HK$26,420
+HK$1,515/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,810/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,071
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,771
−HK$709/mo
Today · 4.125%
HK$27,480
baseline
▲ 0.50% · 4.625%
HK$28,928
+HK$1,448/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$54,960/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,468 · 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).