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$12,891
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,292
−HK$407/mo
Today · 4.125%
HK$13,699
baseline
▲ 0.50% · 4.625%
HK$14,533
+HK$834/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,398/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,341
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,726
−HK$390/mo
Today · 4.125%
HK$15,116
baseline
▲ 0.50% · 4.625%
HK$15,913
+HK$797/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,232/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,469
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,950
−HK$489/mo
Today · 4.125%
HK$16,439
baseline
▲ 0.50% · 4.625%
HK$17,439
+HK$1,000/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,878/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,209
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,671
−HK$468/mo
Today · 4.125%
HK$18,139
baseline
▲ 0.50% · 4.625%
HK$19,095
+HK$956/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,278/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,047
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,609
−HK$570/mo
Today · 4.125%
HK$19,179
baseline
▲ 0.50% · 4.625%
HK$20,346
+HK$1,167/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,358/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,077
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,616
−HK$546/mo
Today · 4.125%
HK$21,162
baseline
▲ 0.50% · 4.625%
HK$22,278
+HK$1,116/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,324/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,204
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,925
−HK$734/mo
Today · 4.125%
HK$24,659
baseline
▲ 0.50% · 4.625%
HK$26,159
+HK$1,500/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$49,318/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,814
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,506
−HK$703/mo
Today · 4.125%
HK$27,209
baseline
▲ 0.50% · 4.625%
HK$28,643
+HK$1,434/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$54,418/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,200 · 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).