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$12,967
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,370
−HK$410/mo
Today · 4.125%
HK$13,780
baseline
▲ 0.50% · 4.625%
HK$14,618
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,560/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,425
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,812
−HK$393/mo
Today · 4.125%
HK$15,205
baseline
▲ 0.50% · 4.625%
HK$16,006
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,410/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,560
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,044
−HK$492/mo
Today · 4.125%
HK$16,536
baseline
▲ 0.50% · 4.625%
HK$17,542
+HK$1,006/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,072/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,310
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,775
−HK$471/mo
Today · 4.125%
HK$18,246
baseline
▲ 0.50% · 4.625%
HK$19,207
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,492/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,153
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,718
−HK$574/mo
Today · 4.125%
HK$19,292
baseline
▲ 0.50% · 4.625%
HK$20,466
+HK$1,174/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,584/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,195
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,737
−HK$550/mo
Today · 4.125%
HK$21,287
baseline
▲ 0.50% · 4.625%
HK$22,409
+HK$1,122/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,574/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,340
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,066
−HK$738/mo
Today · 4.125%
HK$24,804
baseline
▲ 0.50% · 4.625%
HK$26,313
+HK$1,509/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,608/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$127,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,966
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,662
−HK$706/mo
Today · 4.125%
HK$27,368
baseline
▲ 0.50% · 4.625%
HK$28,811
+HK$1,443/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,736/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$127,947 · 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).