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$12,904
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,305
−HK$408/mo
Today · 4.125%
HK$13,713
baseline
▲ 0.50% · 4.625%
HK$14,548
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,426/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,356
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,741
−HK$390/mo
Today · 4.125%
HK$15,131
baseline
▲ 0.50% · 4.625%
HK$15,929
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,262/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,485
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,966
−HK$490/mo
Today · 4.125%
HK$16,456
baseline
▲ 0.50% · 4.625%
HK$17,457
+HK$1,001/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$32,912/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,227
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,689
−HK$468/mo
Today · 4.125%
HK$18,157
baseline
▲ 0.50% · 4.625%
HK$19,114
+HK$957/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$36,314/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,066
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,628
−HK$570/mo
Today · 4.125%
HK$19,198
baseline
▲ 0.50% · 4.625%
HK$20,367
+HK$1,169/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,396/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,098
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,637
−HK$547/mo
Today · 4.125%
HK$21,184
baseline
▲ 0.50% · 4.625%
HK$22,300
+HK$1,116/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,368/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,227
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,950
−HK$734/mo
Today · 4.125%
HK$24,684
baseline
▲ 0.50% · 4.625%
HK$26,186
+HK$1,502/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$49,368/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,840
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,533
−HK$703/mo
Today · 4.125%
HK$27,236
baseline
▲ 0.50% · 4.625%
HK$28,672
+HK$1,436/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$54,472/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,328 · 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).