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$12,884
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,284
−HK$408/mo
Today · 4.125%
HK$13,692
baseline
▲ 0.50% · 4.625%
HK$14,525
+HK$833/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,384/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,333
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,717
−HK$390/mo
Today · 4.125%
HK$15,107
baseline
▲ 0.50% · 4.625%
HK$15,904
+HK$797/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,214/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,460
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,941
−HK$489/mo
Today · 4.125%
HK$16,430
baseline
▲ 0.50% · 4.625%
HK$17,430
+HK$1,000/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,860/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,200
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,661
−HK$468/mo
Today · 4.125%
HK$18,129
baseline
▲ 0.50% · 4.625%
HK$19,084
+HK$955/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,258/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,037
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,598
−HK$570/mo
Today · 4.125%
HK$19,168
baseline
▲ 0.50% · 4.625%
HK$20,335
+HK$1,167/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,336/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,066
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,604
−HK$546/mo
Today · 4.125%
HK$21,150
baseline
▲ 0.50% · 4.625%
HK$22,265
+HK$1,115/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,300/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,191
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,912
−HK$733/mo
Today · 4.125%
HK$24,645
baseline
▲ 0.50% · 4.625%
HK$26,144
+HK$1,499/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$49,290/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,799
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,491
−HK$702/mo
Today · 4.125%
HK$27,193
baseline
▲ 0.50% · 4.625%
HK$28,626
+HK$1,433/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$54,386/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,127 · 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).