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$12,961
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,364
−HK$409/mo
Today · 4.125%
HK$13,773
baseline
▲ 0.50% · 4.625%
HK$14,612
+HK$839/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,546/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,419
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,805
−HK$393/mo
Today · 4.125%
HK$15,198
baseline
▲ 0.50% · 4.625%
HK$15,999
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,396/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,553
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,037
−HK$491/mo
Today · 4.125%
HK$16,528
baseline
▲ 0.50% · 4.625%
HK$17,534
+HK$1,006/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,056/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,302
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,766
−HK$471/mo
Today · 4.125%
HK$18,237
baseline
▲ 0.50% · 4.625%
HK$19,198
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,474/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,145
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,709
−HK$574/mo
Today · 4.125%
HK$19,283
baseline
▲ 0.50% · 4.625%
HK$20,456
+HK$1,173/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,566/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,186
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,727
−HK$550/mo
Today · 4.125%
HK$21,277
baseline
▲ 0.50% · 4.625%
HK$22,398
+HK$1,121/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,554/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,329
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,055
−HK$737/mo
Today · 4.125%
HK$24,792
baseline
▲ 0.50% · 4.625%
HK$26,301
+HK$1,509/mo
Deposit HK$568K · loan HK$5.12M · min. income ≈ HK$49,584/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,954
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,650
−HK$706/mo
Today · 4.125%
HK$27,356
baseline
▲ 0.50% · 4.625%
HK$28,798
+HK$1,442/mo
Deposit HK$568K · loan HK$5.12M · min. income ≈ HK$54,712/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,888 · 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).