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$12,966
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,369
−HK$410/mo
Today · 4.125%
HK$13,779
baseline
▲ 0.50% · 4.625%
HK$14,617
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,558/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,424
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,811
−HK$393/mo
Today · 4.125%
HK$15,204
baseline
▲ 0.50% · 4.625%
HK$16,005
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,408/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,559
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,043
−HK$492/mo
Today · 4.125%
HK$16,535
baseline
▲ 0.50% · 4.625%
HK$17,541
+HK$1,006/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,070/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,309
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,773
−HK$471/mo
Today · 4.125%
HK$18,244
baseline
▲ 0.50% · 4.625%
HK$19,206
+HK$962/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,488/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,152
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,717
−HK$573/mo
Today · 4.125%
HK$19,290
baseline
▲ 0.50% · 4.625%
HK$20,464
+HK$1,174/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,580/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,194
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,736
−HK$549/mo
Today · 4.125%
HK$21,285
baseline
▲ 0.50% · 4.625%
HK$22,407
+HK$1,122/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,570/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,338
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,064
−HK$738/mo
Today · 4.125%
HK$24,802
baseline
▲ 0.50% · 4.625%
HK$26,311
+HK$1,509/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,604/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$127,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,964
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,660
−HK$707/mo
Today · 4.125%
HK$27,367
baseline
▲ 0.50% · 4.625%
HK$28,809
+HK$1,442/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,734/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$127,938 · 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).