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$13,058
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,465
−HK$412/mo
Today · 4.125%
HK$13,877
baseline
▲ 0.50% · 4.625%
HK$14,722
+HK$845/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,754/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,527
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,917
−HK$395/mo
Today · 4.125%
HK$15,312
baseline
▲ 0.50% · 4.625%
HK$16,119
+HK$807/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,624/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,670
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,157
−HK$496/mo
Today · 4.125%
HK$16,653
baseline
▲ 0.50% · 4.625%
HK$17,666
+HK$1,013/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,306/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,433
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,900
−HK$475/mo
Today · 4.125%
HK$18,375
baseline
▲ 0.50% · 4.625%
HK$19,343
+HK$968/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,750/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,282
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,850
−HK$578/mo
Today · 4.125%
HK$19,428
baseline
▲ 0.50% · 4.625%
HK$20,610
+HK$1,182/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,856/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,338
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,884
−HK$553/mo
Today · 4.125%
HK$21,437
baseline
▲ 0.50% · 4.625%
HK$22,567
+HK$1,130/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,874/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,505
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,236
−HK$743/mo
Today · 4.125%
HK$24,979
baseline
▲ 0.50% · 4.625%
HK$26,499
+HK$1,520/mo
Deposit HK$573K · loan HK$5.15M · min. income ≈ HK$49,958/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,149
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,850
−HK$712/mo
Today · 4.125%
HK$27,562
baseline
▲ 0.50% · 4.625%
HK$29,015
+HK$1,453/mo
Deposit HK$573K · loan HK$5.15M · min. income ≈ HK$55,124/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,851 · 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).