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$12,909
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,310
−HK$408/mo
Today · 4.125%
HK$13,718
baseline
▲ 0.50% · 4.625%
HK$14,553
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,436/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,361
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,746
−HK$391/mo
Today · 4.125%
HK$15,137
baseline
▲ 0.50% · 4.625%
HK$15,934
+HK$797/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,274/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,490
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,972
−HK$490/mo
Today · 4.125%
HK$16,462
baseline
▲ 0.50% · 4.625%
HK$17,463
+HK$1,001/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$32,924/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,233
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,695
−HK$469/mo
Today · 4.125%
HK$18,164
baseline
▲ 0.50% · 4.625%
HK$19,121
+HK$957/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$36,328/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,072
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,634
−HK$571/mo
Today · 4.125%
HK$19,205
baseline
▲ 0.50% · 4.625%
HK$20,374
+HK$1,169/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,410/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,105
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,644
−HK$547/mo
Today · 4.125%
HK$21,191
baseline
▲ 0.50% · 4.625%
HK$22,308
+HK$1,117/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,382/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,236
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,958
−HK$735/mo
Today · 4.125%
HK$24,693
baseline
▲ 0.50% · 4.625%
HK$26,195
+HK$1,502/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$49,386/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,849
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,543
−HK$703/mo
Today · 4.125%
HK$27,246
baseline
▲ 0.50% · 4.625%
HK$28,682
+HK$1,436/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$54,492/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,374 · 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).