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$12,910
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,312
−HK$408/mo
Today · 4.125%
HK$13,720
baseline
▲ 0.50% · 4.625%
HK$14,555
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,440/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,362
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,748
−HK$390/mo
Today · 4.125%
HK$15,138
baseline
▲ 0.50% · 4.625%
HK$15,936
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,276/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,492
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,974
−HK$490/mo
Today · 4.125%
HK$16,464
baseline
▲ 0.50% · 4.625%
HK$17,466
+HK$1,002/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$32,928/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,235
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,697
−HK$469/mo
Today · 4.125%
HK$18,166
baseline
▲ 0.50% · 4.625%
HK$19,124
+HK$958/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$36,332/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,074
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,637
−HK$571/mo
Today · 4.125%
HK$19,208
baseline
▲ 0.50% · 4.625%
HK$20,376
+HK$1,168/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,416/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,107
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,647
−HK$547/mo
Today · 4.125%
HK$21,194
baseline
▲ 0.50% · 4.625%
HK$22,311
+HK$1,117/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,388/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,238
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,961
−HK$735/mo
Today · 4.125%
HK$24,696
baseline
▲ 0.50% · 4.625%
HK$26,198
+HK$1,502/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$49,392/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,852
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,546
−HK$703/mo
Today · 4.125%
HK$27,249
baseline
▲ 0.50% · 4.625%
HK$28,686
+HK$1,437/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$54,498/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,390 · 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).