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$12,978
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,382
−HK$410/mo
Today · 4.125%
HK$13,792
baseline
▲ 0.50% · 4.625%
HK$14,631
+HK$839/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,584/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,438
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,825
−HK$393/mo
Today · 4.125%
HK$15,218
baseline
▲ 0.50% · 4.625%
HK$16,020
+HK$802/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,436/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,574
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,058
−HK$492/mo
Today · 4.125%
HK$16,550
baseline
▲ 0.50% · 4.625%
HK$17,557
+HK$1,007/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$33,100/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$128,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,326
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,790
−HK$472/mo
Today · 4.125%
HK$18,262
baseline
▲ 0.50% · 4.625%
HK$19,224
+HK$962/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$36,524/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$128,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,169
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,735
−HK$574/mo
Today · 4.125%
HK$19,309
baseline
▲ 0.50% · 4.625%
HK$20,484
+HK$1,175/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,618/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,213
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,755
−HK$550/mo
Today · 4.125%
HK$21,305
baseline
▲ 0.50% · 4.625%
HK$22,428
+HK$1,123/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,610/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,361
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,087
−HK$739/mo
Today · 4.125%
HK$24,826
baseline
▲ 0.50% · 4.625%
HK$26,336
+HK$1,510/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,652/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,989
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,686
−HK$707/mo
Today · 4.125%
HK$27,393
baseline
▲ 0.50% · 4.625%
HK$28,837
+HK$1,444/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,786/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,060 · 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).