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$12,909
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,311
−HK$408/mo
Today · 4.125%
HK$13,719
baseline
▲ 0.50% · 4.625%
HK$14,553
+HK$834/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,438/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,361
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,746
−HK$391/mo
Today · 4.125%
HK$15,137
baseline
▲ 0.50% · 4.625%
HK$15,935
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,274/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,491
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,973
−HK$489/mo
Today · 4.125%
HK$16,462
baseline
▲ 0.50% · 4.625%
HK$17,464
+HK$1,002/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$32,924/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,233
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,696
−HK$468/mo
Today · 4.125%
HK$18,164
baseline
▲ 0.50% · 4.625%
HK$19,122
+HK$958/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$36,328/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,073
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,635
−HK$571/mo
Today · 4.125%
HK$19,206
baseline
▲ 0.50% · 4.625%
HK$20,375
+HK$1,169/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,412/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,106
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,645
−HK$547/mo
Today · 4.125%
HK$21,192
baseline
▲ 0.50% · 4.625%
HK$22,309
+HK$1,117/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,384/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,236
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,959
−HK$734/mo
Today · 4.125%
HK$24,693
baseline
▲ 0.50% · 4.625%
HK$26,196
+HK$1,503/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$49,386/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,850
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,543
−HK$704/mo
Today · 4.125%
HK$27,247
baseline
▲ 0.50% · 4.625%
HK$28,683
+HK$1,436/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$54,494/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,378 · 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).