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$12,898
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,299
−HK$408/mo
Today · 4.125%
HK$13,707
baseline
▲ 0.50% · 4.625%
HK$14,541
+HK$834/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,414/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,349
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,734
−HK$390/mo
Today · 4.125%
HK$15,124
baseline
▲ 0.50% · 4.625%
HK$15,922
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,248/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,478
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,959
−HK$489/mo
Today · 4.125%
HK$16,448
baseline
▲ 0.50% · 4.625%
HK$17,449
+HK$1,001/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,896/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,219
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,681
−HK$468/mo
Today · 4.125%
HK$18,149
baseline
▲ 0.50% · 4.625%
HK$19,106
+HK$957/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,298/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,057
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,619
−HK$571/mo
Today · 4.125%
HK$19,190
baseline
▲ 0.50% · 4.625%
HK$20,357
+HK$1,167/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,380/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,089
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,627
−HK$547/mo
Today · 4.125%
HK$21,174
baseline
▲ 0.50% · 4.625%
HK$22,290
+HK$1,116/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,348/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,217
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,939
−HK$734/mo
Today · 4.125%
HK$24,673
baseline
▲ 0.50% · 4.625%
HK$26,174
+HK$1,501/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$49,346/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,828
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,521
−HK$703/mo
Today · 4.125%
HK$27,224
baseline
▲ 0.50% · 4.625%
HK$28,659
+HK$1,435/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$54,448/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,271 · 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).