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$13,040
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,445
−HK$412/mo
Today · 4.125%
HK$13,857
baseline
▲ 0.50% · 4.625%
HK$14,701
+HK$844/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,714/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,507
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,896
−HK$394/mo
Today · 4.125%
HK$15,290
baseline
▲ 0.50% · 4.625%
HK$16,096
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,580/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,648
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,134
−HK$495/mo
Today · 4.125%
HK$16,629
baseline
▲ 0.50% · 4.625%
HK$17,641
+HK$1,012/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,258/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,408
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,875
−HK$473/mo
Today · 4.125%
HK$18,348
baseline
▲ 0.50% · 4.625%
HK$19,316
+HK$968/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,696/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,256
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,824
−HK$576/mo
Today · 4.125%
HK$19,400
baseline
▲ 0.50% · 4.625%
HK$20,581
+HK$1,181/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$38,800/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,309
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,854
−HK$552/mo
Today · 4.125%
HK$21,406
baseline
▲ 0.50% · 4.625%
HK$22,535
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$42,812/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,472
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,202
−HK$741/mo
Today · 4.125%
HK$24,943
baseline
▲ 0.50% · 4.625%
HK$26,461
+HK$1,518/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,886/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,112
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,812
−HK$711/mo
Today · 4.125%
HK$27,523
baseline
▲ 0.50% · 4.625%
HK$28,973
+HK$1,450/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,046/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,668 · 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).