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$12,954
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,357
−HK$410/mo
Today · 4.125%
HK$13,767
baseline
▲ 0.50% · 4.625%
HK$14,604
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,534/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,412
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,798
−HK$392/mo
Today · 4.125%
HK$15,190
baseline
▲ 0.50% · 4.625%
HK$15,991
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,380/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,545
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,029
−HK$491/mo
Today · 4.125%
HK$16,520
baseline
▲ 0.50% · 4.625%
HK$17,525
+HK$1,005/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,040/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,294
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,758
−HK$470/mo
Today · 4.125%
HK$18,228
baseline
▲ 0.50% · 4.625%
HK$19,189
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,456/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,136
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,700
−HK$573/mo
Today · 4.125%
HK$19,273
baseline
▲ 0.50% · 4.625%
HK$20,446
+HK$1,173/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$38,546/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,176
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,717
−HK$549/mo
Today · 4.125%
HK$21,266
baseline
▲ 0.50% · 4.625%
HK$22,387
+HK$1,121/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$42,532/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,318
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,043
−HK$737/mo
Today · 4.125%
HK$24,780
baseline
▲ 0.50% · 4.625%
HK$26,288
+HK$1,508/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,560/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,941
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,637
−HK$705/mo
Today · 4.125%
HK$27,342
baseline
▲ 0.50% · 4.625%
HK$28,784
+HK$1,442/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,684/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,825 · 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).