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$12,932
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,335
−HK$408/mo
Today · 4.125%
HK$13,743
baseline
▲ 0.50% · 4.625%
HK$14,580
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,486/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,387
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,773
−HK$391/mo
Today · 4.125%
HK$15,164
baseline
▲ 0.50% · 4.625%
HK$15,964
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,328/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,519
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,002
−HK$490/mo
Today · 4.125%
HK$16,492
baseline
▲ 0.50% · 4.625%
HK$17,495
+HK$1,003/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,984/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,265
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,728
−HK$469/mo
Today · 4.125%
HK$18,197
baseline
▲ 0.50% · 4.625%
HK$19,156
+HK$959/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,394/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,105
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,668
−HK$573/mo
Today · 4.125%
HK$19,241
baseline
▲ 0.50% · 4.625%
HK$20,411
+HK$1,170/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,482/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,142
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,682
−HK$548/mo
Today · 4.125%
HK$21,230
baseline
▲ 0.50% · 4.625%
HK$22,349
+HK$1,119/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,460/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,278
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,002
−HK$736/mo
Today · 4.125%
HK$24,738
baseline
▲ 0.50% · 4.625%
HK$26,243
+HK$1,505/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,476/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,897
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,591
−HK$705/mo
Today · 4.125%
HK$27,296
baseline
▲ 0.50% · 4.625%
HK$28,735
+HK$1,439/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,592/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,608 · 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).