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$13,052
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,458
−HK$412/mo
Today · 4.125%
HK$13,870
baseline
▲ 0.50% · 4.625%
HK$14,714
+HK$844/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,740/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,520
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,910
−HK$395/mo
Today · 4.125%
HK$15,305
baseline
▲ 0.50% · 4.625%
HK$16,111
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,610/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,662
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,150
−HK$495/mo
Today · 4.125%
HK$16,645
baseline
▲ 0.50% · 4.625%
HK$17,657
+HK$1,012/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,290/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,424
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,892
−HK$474/mo
Today · 4.125%
HK$18,366
baseline
▲ 0.50% · 4.625%
HK$19,334
+HK$968/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,732/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,273
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,841
−HK$578/mo
Today · 4.125%
HK$19,419
baseline
▲ 0.50% · 4.625%
HK$20,600
+HK$1,181/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,838/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,328
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,873
−HK$554/mo
Today · 4.125%
HK$21,427
baseline
▲ 0.50% · 4.625%
HK$22,556
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,854/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,494
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,224
−HK$743/mo
Today · 4.125%
HK$24,967
baseline
▲ 0.50% · 4.625%
HK$26,486
+HK$1,519/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,934/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,136
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,837
−HK$711/mo
Today · 4.125%
HK$27,548
baseline
▲ 0.50% · 4.625%
HK$29,001
+HK$1,453/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,096/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,788 · 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).