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$12,958
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,361
−HK$410/mo
Today · 4.125%
HK$13,771
baseline
▲ 0.50% · 4.625%
HK$14,609
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,542/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,416
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,802
−HK$393/mo
Today · 4.125%
HK$15,195
baseline
▲ 0.50% · 4.625%
HK$15,996
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,390/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,550
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,033
−HK$492/mo
Today · 4.125%
HK$16,525
baseline
▲ 0.50% · 4.625%
HK$17,530
+HK$1,005/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,050/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,299
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,763
−HK$471/mo
Today · 4.125%
HK$18,234
baseline
▲ 0.50% · 4.625%
HK$19,195
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,468/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,141
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,706
−HK$573/mo
Today · 4.125%
HK$19,279
baseline
▲ 0.50% · 4.625%
HK$20,452
+HK$1,173/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$38,558/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,182
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,723
−HK$549/mo
Today · 4.125%
HK$21,272
baseline
▲ 0.50% · 4.625%
HK$22,394
+HK$1,122/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$42,544/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,325
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,050
−HK$737/mo
Today · 4.125%
HK$24,787
baseline
▲ 0.50% · 4.625%
HK$26,295
+HK$1,508/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,574/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,948
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,644
−HK$706/mo
Today · 4.125%
HK$27,350
baseline
▲ 0.50% · 4.625%
HK$28,792
+HK$1,442/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,700/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,862 · 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).