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$12,986
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,390
−HK$410/mo
Today · 4.125%
HK$13,800
baseline
▲ 0.50% · 4.625%
HK$14,640
+HK$840/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,600/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,447
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,834
−HK$393/mo
Today · 4.125%
HK$15,227
baseline
▲ 0.50% · 4.625%
HK$16,030
+HK$803/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,454/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,583
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,068
−HK$492/mo
Today · 4.125%
HK$16,560
baseline
▲ 0.50% · 4.625%
HK$17,568
+HK$1,008/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,120/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,336
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,801
−HK$472/mo
Today · 4.125%
HK$18,273
baseline
▲ 0.50% · 4.625%
HK$19,236
+HK$963/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,546/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,180
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,746
−HK$574/mo
Today · 4.125%
HK$19,320
baseline
▲ 0.50% · 4.625%
HK$20,496
+HK$1,176/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,640/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,225
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,768
−HK$550/mo
Today · 4.125%
HK$21,318
baseline
▲ 0.50% · 4.625%
HK$22,442
+HK$1,124/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,636/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,374
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,102
−HK$738/mo
Today · 4.125%
HK$24,840
baseline
▲ 0.50% · 4.625%
HK$26,352
+HK$1,512/mo
Deposit HK$569K · loan HK$5.13M · min. income ≈ HK$49,680/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,004
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,701
−HK$708/mo
Today · 4.125%
HK$27,409
baseline
▲ 0.50% · 4.625%
HK$28,854
+HK$1,445/mo
Deposit HK$569K · loan HK$5.13M · min. income ≈ HK$54,818/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,136 · 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).