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$12,918
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,320
−HK$408/mo
Today · 4.125%
HK$13,728
baseline
▲ 0.50% · 4.625%
HK$14,563
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,456/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,371
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,757
−HK$391/mo
Today · 4.125%
HK$15,148
baseline
▲ 0.50% · 4.625%
HK$15,946
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,296/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,502
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,984
−HK$490/mo
Today · 4.125%
HK$16,474
baseline
▲ 0.50% · 4.625%
HK$17,476
+HK$1,002/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,948/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,245
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,708
−HK$469/mo
Today · 4.125%
HK$18,177
baseline
▲ 0.50% · 4.625%
HK$19,135
+HK$958/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,354/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,085
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,648
−HK$571/mo
Today · 4.125%
HK$19,219
baseline
▲ 0.50% · 4.625%
HK$20,389
+HK$1,170/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,438/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,120
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,659
−HK$548/mo
Today · 4.125%
HK$21,207
baseline
▲ 0.50% · 4.625%
HK$22,324
+HK$1,117/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,414/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,252
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,976
−HK$735/mo
Today · 4.125%
HK$24,711
baseline
▲ 0.50% · 4.625%
HK$26,214
+HK$1,503/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,422/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,868
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,562
−HK$704/mo
Today · 4.125%
HK$27,266
baseline
▲ 0.50% · 4.625%
HK$28,703
+HK$1,437/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,532/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,467 · 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).