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$12,957
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,360
−HK$410/mo
Today · 4.125%
HK$13,770
baseline
▲ 0.50% · 4.625%
HK$14,607
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,540/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,415
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,801
−HK$392/mo
Today · 4.125%
HK$15,193
baseline
▲ 0.50% · 4.625%
HK$15,994
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,386/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,548
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,032
−HK$491/mo
Today · 4.125%
HK$16,523
baseline
▲ 0.50% · 4.625%
HK$17,529
+HK$1,006/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,046/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,297
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,761
−HK$471/mo
Today · 4.125%
HK$18,232
baseline
▲ 0.50% · 4.625%
HK$19,193
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,464/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,140
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,704
−HK$573/mo
Today · 4.125%
HK$19,277
baseline
▲ 0.50% · 4.625%
HK$20,450
+HK$1,173/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$38,554/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,180
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,722
−HK$549/mo
Today · 4.125%
HK$21,271
baseline
▲ 0.50% · 4.625%
HK$22,392
+HK$1,121/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$42,542/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,323
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,048
−HK$737/mo
Today · 4.125%
HK$24,785
baseline
▲ 0.50% · 4.625%
HK$26,293
+HK$1,508/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,570/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,946
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,642
−HK$706/mo
Today · 4.125%
HK$27,348
baseline
▲ 0.50% · 4.625%
HK$28,790
+HK$1,442/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,696/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,852 · 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).