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$12,906
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,307
−HK$408/mo
Today · 4.125%
HK$13,715
baseline
▲ 0.50% · 4.625%
HK$14,549
+HK$834/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,430/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,357
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,742
−HK$391/mo
Today · 4.125%
HK$15,133
baseline
▲ 0.50% · 4.625%
HK$15,931
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,266/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,487
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,968
−HK$490/mo
Today · 4.125%
HK$16,458
baseline
▲ 0.50% · 4.625%
HK$17,459
+HK$1,001/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$32,916/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,229
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,691
−HK$469/mo
Today · 4.125%
HK$18,160
baseline
▲ 0.50% · 4.625%
HK$19,117
+HK$957/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$36,320/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,068
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,630
−HK$571/mo
Today · 4.125%
HK$19,201
baseline
▲ 0.50% · 4.625%
HK$20,369
+HK$1,168/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,402/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,100
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,639
−HK$547/mo
Today · 4.125%
HK$21,186
baseline
▲ 0.50% · 4.625%
HK$22,303
+HK$1,117/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,372/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,230
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,953
−HK$734/mo
Today · 4.125%
HK$24,687
baseline
▲ 0.50% · 4.625%
HK$26,189
+HK$1,502/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$49,374/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,843
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,536
−HK$703/mo
Today · 4.125%
HK$27,239
baseline
▲ 0.50% · 4.625%
HK$28,675
+HK$1,436/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$54,478/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,344 · 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).