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$12,903
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,304
−HK$408/mo
Today · 4.125%
HK$13,712
baseline
▲ 0.50% · 4.625%
HK$14,546
+HK$834/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,424/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,354
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,739
−HK$391/mo
Today · 4.125%
HK$15,130
baseline
▲ 0.50% · 4.625%
HK$15,927
+HK$797/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,260/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,483
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,965
−HK$489/mo
Today · 4.125%
HK$16,454
baseline
▲ 0.50% · 4.625%
HK$17,456
+HK$1,002/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$32,908/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,225
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,687
−HK$469/mo
Today · 4.125%
HK$18,156
baseline
▲ 0.50% · 4.625%
HK$19,113
+HK$957/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$36,312/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,064
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,626
−HK$571/mo
Today · 4.125%
HK$19,197
baseline
▲ 0.50% · 4.625%
HK$20,365
+HK$1,168/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,394/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,096
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,635
−HK$547/mo
Today · 4.125%
HK$21,182
baseline
▲ 0.50% · 4.625%
HK$22,298
+HK$1,116/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,364/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,225
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,947
−HK$734/mo
Today · 4.125%
HK$24,681
baseline
▲ 0.50% · 4.625%
HK$26,183
+HK$1,502/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$49,362/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,838
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,531
−HK$703/mo
Today · 4.125%
HK$27,234
baseline
▲ 0.50% · 4.625%
HK$28,669
+HK$1,435/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$54,468/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,317 · 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).