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$13,026
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,432
−HK$411/mo
Today · 4.125%
HK$13,843
baseline
▲ 0.50% · 4.625%
HK$14,686
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,686/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,492
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,880
−HK$395/mo
Today · 4.125%
HK$15,275
baseline
▲ 0.50% · 4.625%
HK$16,080
+HK$805/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,550/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,632
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,118
−HK$494/mo
Today · 4.125%
HK$16,612
baseline
▲ 0.50% · 4.625%
HK$17,623
+HK$1,011/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,224/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,390
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,856
−HK$474/mo
Today · 4.125%
HK$18,330
baseline
▲ 0.50% · 4.625%
HK$19,296
+HK$966/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,660/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,237
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,804
−HK$577/mo
Today · 4.125%
HK$19,381
baseline
▲ 0.50% · 4.625%
HK$20,560
+HK$1,179/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,762/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,288
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,833
−HK$552/mo
Today · 4.125%
HK$21,385
baseline
▲ 0.50% · 4.625%
HK$22,512
+HK$1,127/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,770/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,448
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,177
−HK$741/mo
Today · 4.125%
HK$24,918
baseline
▲ 0.50% · 4.625%
HK$26,434
+HK$1,516/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,836/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,085
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,785
−HK$709/mo
Today · 4.125%
HK$27,494
baseline
▲ 0.50% · 4.625%
HK$28,944
+HK$1,450/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$54,988/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,536 · 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).