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$12,973
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,377
−HK$410/mo
Today · 4.125%
HK$13,787
baseline
▲ 0.50% · 4.625%
HK$14,625
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,574/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,432
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,819
−HK$393/mo
Today · 4.125%
HK$15,212
baseline
▲ 0.50% · 4.625%
HK$16,014
+HK$802/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,424/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,568
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,052
−HK$492/mo
Today · 4.125%
HK$16,544
baseline
▲ 0.50% · 4.625%
HK$17,550
+HK$1,006/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$33,088/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$128,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,319
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,783
−HK$471/mo
Today · 4.125%
HK$18,254
baseline
▲ 0.50% · 4.625%
HK$19,217
+HK$963/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$36,508/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$128,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,162
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,727
−HK$574/mo
Today · 4.125%
HK$19,301
baseline
▲ 0.50% · 4.625%
HK$20,476
+HK$1,175/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,602/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$128,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,205
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,747
−HK$550/mo
Today · 4.125%
HK$21,297
baseline
▲ 0.50% · 4.625%
HK$22,419
+HK$1,122/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,594/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$128,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,351
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,078
−HK$738/mo
Today · 4.125%
HK$24,816
baseline
▲ 0.50% · 4.625%
HK$26,326
+HK$1,510/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,632/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,978
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,675
−HK$707/mo
Today · 4.125%
HK$27,382
baseline
▲ 0.50% · 4.625%
HK$28,825
+HK$1,443/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,764/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,009 · 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).