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$13,056
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,462
−HK$413/mo
Today · 4.125%
HK$13,875
baseline
▲ 0.50% · 4.625%
HK$14,719
+HK$844/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,750/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,525
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,915
−HK$395/mo
Today · 4.125%
HK$15,310
baseline
▲ 0.50% · 4.625%
HK$16,117
+HK$807/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,620/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,668
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,155
−HK$495/mo
Today · 4.125%
HK$16,650
baseline
▲ 0.50% · 4.625%
HK$17,663
+HK$1,013/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,300/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,430
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,897
−HK$475/mo
Today · 4.125%
HK$18,372
baseline
▲ 0.50% · 4.625%
HK$19,340
+HK$968/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,744/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,279
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,847
−HK$578/mo
Today · 4.125%
HK$19,425
baseline
▲ 0.50% · 4.625%
HK$20,607
+HK$1,182/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,850/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,335
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,880
−HK$554/mo
Today · 4.125%
HK$21,434
baseline
▲ 0.50% · 4.625%
HK$22,563
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,868/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,501
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,232
−HK$743/mo
Today · 4.125%
HK$24,975
baseline
▲ 0.50% · 4.625%
HK$26,495
+HK$1,520/mo
Deposit HK$573K · loan HK$5.15M · min. income ≈ HK$49,950/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,145
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,846
−HK$712/mo
Today · 4.125%
HK$27,558
baseline
▲ 0.50% · 4.625%
HK$29,010
+HK$1,452/mo
Deposit HK$573K · loan HK$5.15M · min. income ≈ HK$55,116/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,831 · 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).