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$12,977
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,381
−HK$410/mo
Today · 4.125%
HK$13,791
baseline
▲ 0.50% · 4.625%
HK$14,630
+HK$839/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,582/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,437
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,824
−HK$393/mo
Today · 4.125%
HK$15,217
baseline
▲ 0.50% · 4.625%
HK$16,019
+HK$802/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,434/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,573
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,057
−HK$492/mo
Today · 4.125%
HK$16,549
baseline
▲ 0.50% · 4.625%
HK$17,556
+HK$1,007/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$33,098/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$128,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,324
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,789
−HK$471/mo
Today · 4.125%
HK$18,260
baseline
▲ 0.50% · 4.625%
HK$19,223
+HK$963/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$36,520/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$128,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,168
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,733
−HK$574/mo
Today · 4.125%
HK$19,307
baseline
▲ 0.50% · 4.625%
HK$20,482
+HK$1,175/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,614/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,212
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,754
−HK$550/mo
Today · 4.125%
HK$21,304
baseline
▲ 0.50% · 4.625%
HK$22,427
+HK$1,123/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,608/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,359
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,086
−HK$738/mo
Today · 4.125%
HK$24,824
baseline
▲ 0.50% · 4.625%
HK$26,334
+HK$1,510/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,648/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,987
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,684
−HK$707/mo
Today · 4.125%
HK$27,391
baseline
▲ 0.50% · 4.625%
HK$28,834
+HK$1,443/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,782/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,051 · 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).