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$12,955
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,358
−HK$410/mo
Today · 4.125%
HK$13,768
baseline
▲ 0.50% · 4.625%
HK$14,606
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,536/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,413
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,799
−HK$392/mo
Today · 4.125%
HK$15,191
baseline
▲ 0.50% · 4.625%
HK$15,992
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,382/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,547
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,030
−HK$491/mo
Today · 4.125%
HK$16,521
baseline
▲ 0.50% · 4.625%
HK$17,527
+HK$1,006/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,042/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,295
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,759
−HK$471/mo
Today · 4.125%
HK$18,230
baseline
▲ 0.50% · 4.625%
HK$19,191
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,460/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,138
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,702
−HK$573/mo
Today · 4.125%
HK$19,275
baseline
▲ 0.50% · 4.625%
HK$20,448
+HK$1,173/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$38,550/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,178
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,719
−HK$549/mo
Today · 4.125%
HK$21,268
baseline
▲ 0.50% · 4.625%
HK$22,389
+HK$1,121/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$42,536/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,320
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,045
−HK$737/mo
Today · 4.125%
HK$24,782
baseline
▲ 0.50% · 4.625%
HK$26,290
+HK$1,508/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,564/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,943
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,639
−HK$706/mo
Today · 4.125%
HK$27,345
baseline
▲ 0.50% · 4.625%
HK$28,786
+HK$1,441/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,690/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,836 · 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).