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$14,618
+HK$839/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$127,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,425
−HK$779/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$127,941 · 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$127,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,310
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,774
−HK$471/mo
Today · 4.125%
HK$18,245
baseline
▲ 0.50% · 4.625%
HK$19,206
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,490/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,152
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,717
−HK$574/mo
Today · 4.125%
HK$19,291
baseline
▲ 0.50% · 4.625%
HK$20,465
+HK$1,174/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,582/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,194
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,736
−HK$550/mo
Today · 4.125%
HK$21,286
baseline
▲ 0.50% · 4.625%
HK$22,408
+HK$1,122/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,572/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,339
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,065
−HK$737/mo
Today · 4.125%
HK$24,802
baseline
▲ 0.50% · 4.625%
HK$26,312
+HK$1,510/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$127,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,964
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,661
−HK$706/mo
Today · 4.125%
HK$27,367
baseline
▲ 0.50% · 4.625%
HK$28,810
+HK$1,443/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$127,941 · 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).