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$12,931
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,334
−HK$408/mo
Today · 4.125%
HK$13,742
baseline
▲ 0.50% · 4.625%
HK$14,578
+HK$836/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,484/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,386
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,772
−HK$391/mo
Today · 4.125%
HK$15,163
baseline
▲ 0.50% · 4.625%
HK$15,963
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,326/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,518
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,000
−HK$491/mo
Today · 4.125%
HK$16,491
baseline
▲ 0.50% · 4.625%
HK$17,494
+HK$1,003/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,982/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,263
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,726
−HK$470/mo
Today · 4.125%
HK$18,196
baseline
▲ 0.50% · 4.625%
HK$19,155
+HK$959/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,392/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,104
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,667
−HK$572/mo
Today · 4.125%
HK$19,239
baseline
▲ 0.50% · 4.625%
HK$20,410
+HK$1,171/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,478/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,140
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,681
−HK$548/mo
Today · 4.125%
HK$21,229
baseline
▲ 0.50% · 4.625%
HK$22,348
+HK$1,119/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,458/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,277
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$24,001
−HK$735/mo
Today · 4.125%
HK$24,736
baseline
▲ 0.50% · 4.625%
HK$26,241
+HK$1,505/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,472/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,895
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,589
−HK$705/mo
Today · 4.125%
HK$27,294
baseline
▲ 0.50% · 4.625%
HK$28,733
+HK$1,439/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,588/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,599 · 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).