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$13,047
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,453
−HK$412/mo
Today · 4.125%
HK$13,865
baseline
▲ 0.50% · 4.625%
HK$14,709
+HK$844/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,730/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,515
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,904
−HK$395/mo
Today · 4.125%
HK$15,299
baseline
▲ 0.50% · 4.625%
HK$16,105
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,598/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,657
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,144
−HK$494/mo
Today · 4.125%
HK$16,638
baseline
▲ 0.50% · 4.625%
HK$17,651
+HK$1,013/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,276/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,418
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,885
−HK$474/mo
Today · 4.125%
HK$18,359
baseline
▲ 0.50% · 4.625%
HK$19,327
+HK$968/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,718/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,266
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,834
−HK$577/mo
Today · 4.125%
HK$19,411
baseline
▲ 0.50% · 4.625%
HK$20,593
+HK$1,182/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,822/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,321
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,866
−HK$553/mo
Today · 4.125%
HK$21,419
baseline
▲ 0.50% · 4.625%
HK$22,548
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,838/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,485
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,215
−HK$743/mo
Today · 4.125%
HK$24,958
baseline
▲ 0.50% · 4.625%
HK$26,476
+HK$1,518/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,916/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,127
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,827
−HK$711/mo
Today · 4.125%
HK$27,538
baseline
▲ 0.50% · 4.625%
HK$28,990
+HK$1,452/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,076/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,741 · 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).