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$13,054
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,460
−HK$413/mo
Today · 4.125%
HK$13,873
baseline
▲ 0.50% · 4.625%
HK$14,717
+HK$844/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,746/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,523
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,912
−HK$395/mo
Today · 4.125%
HK$15,307
baseline
▲ 0.50% · 4.625%
HK$16,114
+HK$807/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,614/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,665
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,152
−HK$495/mo
Today · 4.125%
HK$16,647
baseline
▲ 0.50% · 4.625%
HK$17,660
+HK$1,013/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,294/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,427
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,895
−HK$474/mo
Today · 4.125%
HK$18,369
baseline
▲ 0.50% · 4.625%
HK$19,337
+HK$968/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,738/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,276
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,844
−HK$578/mo
Today · 4.125%
HK$19,422
baseline
▲ 0.50% · 4.625%
HK$20,604
+HK$1,182/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,844/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,332
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,877
−HK$553/mo
Today · 4.125%
HK$21,430
baseline
▲ 0.50% · 4.625%
HK$22,560
+HK$1,130/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,860/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,498
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,229
−HK$742/mo
Today · 4.125%
HK$24,971
baseline
▲ 0.50% · 4.625%
HK$26,491
+HK$1,520/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,942/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,141
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,842
−HK$711/mo
Today · 4.125%
HK$27,553
baseline
▲ 0.50% · 4.625%
HK$29,006
+HK$1,453/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,106/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,811 · 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).