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$13,022
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,427
−HK$411/mo
Today · 4.125%
HK$13,838
baseline
▲ 0.50% · 4.625%
HK$14,681
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,676/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,487
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,875
−HK$394/mo
Today · 4.125%
HK$15,269
baseline
▲ 0.50% · 4.625%
HK$16,074
+HK$805/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,538/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,626
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,112
−HK$494/mo
Today · 4.125%
HK$16,606
baseline
▲ 0.50% · 4.625%
HK$17,617
+HK$1,011/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$33,212/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,384
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,850
−HK$473/mo
Today · 4.125%
HK$18,323
baseline
▲ 0.50% · 4.625%
HK$19,289
+HK$966/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$36,646/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,231
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,798
−HK$576/mo
Today · 4.125%
HK$19,374
baseline
▲ 0.50% · 4.625%
HK$20,553
+HK$1,179/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,748/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,281
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,825
−HK$552/mo
Today · 4.125%
HK$21,377
baseline
▲ 0.50% · 4.625%
HK$22,504
+HK$1,127/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,754/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,439
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,168
−HK$741/mo
Today · 4.125%
HK$24,909
baseline
▲ 0.50% · 4.625%
HK$26,425
+HK$1,516/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,818/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,076
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,775
−HK$710/mo
Today · 4.125%
HK$27,485
baseline
▲ 0.50% · 4.625%
HK$28,934
+HK$1,449/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$54,970/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,491 · 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).