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$12,963
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,366
−HK$410/mo
Today · 4.125%
HK$13,776
baseline
▲ 0.50% · 4.625%
HK$14,614
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,552/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,421
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,808
−HK$392/mo
Today · 4.125%
HK$15,200
baseline
▲ 0.50% · 4.625%
HK$16,001
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,400/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,555
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,039
−HK$492/mo
Today · 4.125%
HK$16,531
baseline
▲ 0.50% · 4.625%
HK$17,537
+HK$1,006/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,062/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,305
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,769
−HK$471/mo
Today · 4.125%
HK$18,240
baseline
▲ 0.50% · 4.625%
HK$19,202
+HK$962/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,480/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,148
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,712
−HK$574/mo
Today · 4.125%
HK$19,286
baseline
▲ 0.50% · 4.625%
HK$20,459
+HK$1,173/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,572/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,189
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,731
−HK$549/mo
Today · 4.125%
HK$21,280
baseline
▲ 0.50% · 4.625%
HK$22,402
+HK$1,122/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,560/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,333
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,059
−HK$737/mo
Today · 4.125%
HK$24,796
baseline
▲ 0.50% · 4.625%
HK$26,305
+HK$1,509/mo
Deposit HK$568K · loan HK$5.12M · min. income ≈ HK$49,592/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,958
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,654
−HK$706/mo
Today · 4.125%
HK$27,360
baseline
▲ 0.50% · 4.625%
HK$28,802
+HK$1,442/mo
Deposit HK$568K · loan HK$5.12M · min. income ≈ HK$54,720/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,909 · 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).