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$13,443
−HK$413/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$128,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,505
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,894
−HK$394/mo
Today · 4.125%
HK$15,288
baseline
▲ 0.50% · 4.625%
HK$16,094
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,576/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,646
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,132
−HK$495/mo
Today · 4.125%
HK$16,627
baseline
▲ 0.50% · 4.625%
HK$17,638
+HK$1,011/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$128,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,405
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,872
−HK$474/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$128,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,253
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,821
−HK$577/mo
Today · 4.125%
HK$19,398
baseline
▲ 0.50% · 4.625%
HK$20,578
+HK$1,180/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$128,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,306
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,851
−HK$552/mo
Today · 4.125%
HK$21,403
baseline
▲ 0.50% · 4.625%
HK$22,532
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$42,806/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,468
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,198
−HK$742/mo
Today · 4.125%
HK$24,940
baseline
▲ 0.50% · 4.625%
HK$26,457
+HK$1,517/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,880/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,108
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,808
−HK$711/mo
Today · 4.125%
HK$27,519
baseline
▲ 0.50% · 4.625%
HK$28,969
+HK$1,450/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,038/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,650 · 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).