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$12,921
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,323
−HK$409/mo
Today · 4.125%
HK$13,732
baseline
▲ 0.50% · 4.625%
HK$14,567
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,464/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,375
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,760
−HK$391/mo
Today · 4.125%
HK$15,151
baseline
▲ 0.50% · 4.625%
HK$15,950
+HK$799/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,302/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,505
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,988
−HK$490/mo
Today · 4.125%
HK$16,478
baseline
▲ 0.50% · 4.625%
HK$17,480
+HK$1,002/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,956/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,250
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,712
−HK$470/mo
Today · 4.125%
HK$18,182
baseline
▲ 0.50% · 4.625%
HK$19,140
+HK$958/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,364/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,090
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,652
−HK$572/mo
Today · 4.125%
HK$19,224
baseline
▲ 0.50% · 4.625%
HK$20,394
+HK$1,170/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,448/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,125
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,664
−HK$548/mo
Today · 4.125%
HK$21,212
baseline
▲ 0.50% · 4.625%
HK$22,330
+HK$1,118/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,424/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,258
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,982
−HK$735/mo
Today · 4.125%
HK$24,717
baseline
▲ 0.50% · 4.625%
HK$26,221
+HK$1,504/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,434/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,875
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,568
−HK$704/mo
Today · 4.125%
HK$27,272
baseline
▲ 0.50% · 4.625%
HK$28,710
+HK$1,438/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,544/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,498 · 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).