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$12,943
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,346
−HK$409/mo
Today · 4.125%
HK$13,755
baseline
▲ 0.50% · 4.625%
HK$14,592
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,510/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,399
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,785
−HK$392/mo
Today · 4.125%
HK$15,177
baseline
▲ 0.50% · 4.625%
HK$15,977
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,354/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,532
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,015
−HK$491/mo
Today · 4.125%
HK$16,506
baseline
▲ 0.50% · 4.625%
HK$17,510
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,012/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,279
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,742
−HK$471/mo
Today · 4.125%
HK$18,213
baseline
▲ 0.50% · 4.625%
HK$19,173
+HK$960/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,426/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,121
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,684
−HK$573/mo
Today · 4.125%
HK$19,257
baseline
▲ 0.50% · 4.625%
HK$20,429
+HK$1,172/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,514/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,159
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,700
−HK$548/mo
Today · 4.125%
HK$21,248
baseline
▲ 0.50% · 4.625%
HK$22,368
+HK$1,120/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,496/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,298
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,022
−HK$737/mo
Today · 4.125%
HK$24,759
baseline
▲ 0.50% · 4.625%
HK$26,265
+HK$1,506/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,518/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,919
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,614
−HK$705/mo
Today · 4.125%
HK$27,319
baseline
▲ 0.50% · 4.625%
HK$28,759
+HK$1,440/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,638/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,715 · 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).