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$12,948
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,350
−HK$410/mo
Today · 4.125%
HK$13,760
baseline
▲ 0.50% · 4.625%
HK$14,597
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,520/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,404
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,790
−HK$392/mo
Today · 4.125%
HK$15,182
baseline
▲ 0.50% · 4.625%
HK$15,983
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,364/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,537
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,020
−HK$492/mo
Today · 4.125%
HK$16,512
baseline
▲ 0.50% · 4.625%
HK$17,516
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,024/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,285
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,749
−HK$470/mo
Today · 4.125%
HK$18,219
baseline
▲ 0.50% · 4.625%
HK$19,179
+HK$960/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,438/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,127
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,691
−HK$572/mo
Today · 4.125%
HK$19,263
baseline
▲ 0.50% · 4.625%
HK$20,436
+HK$1,173/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,526/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,166
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,707
−HK$548/mo
Today · 4.125%
HK$21,255
baseline
▲ 0.50% · 4.625%
HK$22,376
+HK$1,121/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,510/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,306
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,031
−HK$736/mo
Today · 4.125%
HK$24,767
baseline
▲ 0.50% · 4.625%
HK$26,274
+HK$1,507/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,534/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,927
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,623
−HK$705/mo
Today · 4.125%
HK$27,328
baseline
▲ 0.50% · 4.625%
HK$28,769
+HK$1,441/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,656/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,759 · 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).