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$13,043
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,449
−HK$412/mo
Today · 4.125%
HK$13,861
baseline
▲ 0.50% · 4.625%
HK$14,705
+HK$844/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,722/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,510
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,900
−HK$394/mo
Today · 4.125%
HK$15,294
baseline
▲ 0.50% · 4.625%
HK$16,101
+HK$807/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,588/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,652
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,139
−HK$494/mo
Today · 4.125%
HK$16,633
baseline
▲ 0.50% · 4.625%
HK$17,646
+HK$1,013/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,266/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,413
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,880
−HK$473/mo
Today · 4.125%
HK$18,353
baseline
▲ 0.50% · 4.625%
HK$19,321
+HK$968/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,706/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,261
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,829
−HK$577/mo
Today · 4.125%
HK$19,406
baseline
▲ 0.50% · 4.625%
HK$20,586
+HK$1,180/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$38,812/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,315
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,860
−HK$552/mo
Today · 4.125%
HK$21,412
baseline
▲ 0.50% · 4.625%
HK$22,541
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$42,824/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,478
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,208
−HK$742/mo
Today · 4.125%
HK$24,950
baseline
▲ 0.50% · 4.625%
HK$26,468
+HK$1,518/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,900/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,119
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,819
−HK$711/mo
Today · 4.125%
HK$27,530
baseline
▲ 0.50% · 4.625%
HK$28,981
+HK$1,451/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,060/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,702 · 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).