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$13,032
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,437
−HK$412/mo
Today · 4.125%
HK$13,849
baseline
▲ 0.50% · 4.625%
HK$14,692
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,698/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,498
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,886
−HK$395/mo
Today · 4.125%
HK$15,281
baseline
▲ 0.50% · 4.625%
HK$16,086
+HK$805/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,562/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,638
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,124
−HK$495/mo
Today · 4.125%
HK$16,619
baseline
▲ 0.50% · 4.625%
HK$17,630
+HK$1,011/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,238/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,397
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,864
−HK$473/mo
Today · 4.125%
HK$18,337
baseline
▲ 0.50% · 4.625%
HK$19,304
+HK$967/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,674/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,244
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,812
−HK$576/mo
Today · 4.125%
HK$19,388
baseline
▲ 0.50% · 4.625%
HK$20,568
+HK$1,180/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,776/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,297
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,841
−HK$552/mo
Today · 4.125%
HK$21,393
baseline
▲ 0.50% · 4.625%
HK$22,521
+HK$1,128/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,786/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,457
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,187
−HK$741/mo
Today · 4.125%
HK$24,928
baseline
▲ 0.50% · 4.625%
HK$26,445
+HK$1,517/mo
Deposit HK$572K · loan HK$5.14M · min. income ≈ HK$49,856/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,096
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,796
−HK$710/mo
Today · 4.125%
HK$27,506
baseline
▲ 0.50% · 4.625%
HK$28,955
+HK$1,449/mo
Deposit HK$572K · loan HK$5.14M · min. income ≈ HK$55,012/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,588 · 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).