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$12,914
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,316
−HK$408/mo
Today · 4.125%
HK$13,724
baseline
▲ 0.50% · 4.625%
HK$14,559
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,448/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,367
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,752
−HK$391/mo
Today · 4.125%
HK$15,143
baseline
▲ 0.50% · 4.625%
HK$15,941
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,286/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,497
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,979
−HK$490/mo
Today · 4.125%
HK$16,469
baseline
▲ 0.50% · 4.625%
HK$17,471
+HK$1,002/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,938/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,240
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,703
−HK$469/mo
Today · 4.125%
HK$18,172
baseline
▲ 0.50% · 4.625%
HK$19,130
+HK$958/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,344/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,080
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,642
−HK$572/mo
Today · 4.125%
HK$19,214
baseline
▲ 0.50% · 4.625%
HK$20,383
+HK$1,169/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,428/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,114
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,653
−HK$547/mo
Today · 4.125%
HK$21,200
baseline
▲ 0.50% · 4.625%
HK$22,318
+HK$1,118/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,400/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,246
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,969
−HK$734/mo
Today · 4.125%
HK$24,703
baseline
▲ 0.50% · 4.625%
HK$26,206
+HK$1,503/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$49,406/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,860
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,554
−HK$704/mo
Today · 4.125%
HK$27,258
baseline
▲ 0.50% · 4.625%
HK$28,694
+HK$1,436/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$54,516/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,429 · 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).