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$13,048
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,454
−HK$413/mo
Today · 4.125%
HK$13,867
baseline
▲ 0.50% · 4.625%
HK$14,710
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,734/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,516
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,906
−HK$395/mo
Today · 4.125%
HK$15,301
baseline
▲ 0.50% · 4.625%
HK$16,107
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,602/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,658
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,145
−HK$495/mo
Today · 4.125%
HK$16,640
baseline
▲ 0.50% · 4.625%
HK$17,653
+HK$1,013/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,280/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,420
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,887
−HK$474/mo
Today · 4.125%
HK$18,361
baseline
▲ 0.50% · 4.625%
HK$19,328
+HK$967/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,722/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,268
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,836
−HK$577/mo
Today · 4.125%
HK$19,413
baseline
▲ 0.50% · 4.625%
HK$20,595
+HK$1,182/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,826/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,323
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,868
−HK$553/mo
Today · 4.125%
HK$21,421
baseline
▲ 0.50% · 4.625%
HK$22,550
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,842/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,487
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,218
−HK$742/mo
Today · 4.125%
HK$24,960
baseline
▲ 0.50% · 4.625%
HK$26,479
+HK$1,519/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,920/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,129
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,830
−HK$711/mo
Today · 4.125%
HK$27,541
baseline
▲ 0.50% · 4.625%
HK$28,993
+HK$1,452/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,082/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,754 · 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).