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$13,038
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,444
−HK$412/mo
Today · 4.125%
HK$13,856
baseline
▲ 0.50% · 4.625%
HK$14,699
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,712/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,505
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,894
−HK$395/mo
Today · 4.125%
HK$15,289
baseline
▲ 0.50% · 4.625%
HK$16,095
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,578/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,646
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,133
−HK$494/mo
Today · 4.125%
HK$16,627
baseline
▲ 0.50% · 4.625%
HK$17,639
+HK$1,012/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,254/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,406
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,873
−HK$473/mo
Today · 4.125%
HK$18,346
baseline
▲ 0.50% · 4.625%
HK$19,313
+HK$967/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,692/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,254
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,821
−HK$577/mo
Today · 4.125%
HK$19,398
baseline
▲ 0.50% · 4.625%
HK$20,579
+HK$1,181/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$38,796/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,307
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,852
−HK$552/mo
Today · 4.125%
HK$21,404
baseline
▲ 0.50% · 4.625%
HK$22,532
+HK$1,128/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$42,808/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,469
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,199
−HK$742/mo
Today · 4.125%
HK$24,941
baseline
▲ 0.50% · 4.625%
HK$26,458
+HK$1,517/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,882/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,109
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,809
−HK$711/mo
Today · 4.125%
HK$27,520
baseline
▲ 0.50% · 4.625%
HK$28,970
+HK$1,450/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,040/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,654 · 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).