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$13,371
−HK$409/mo
Today · 4.125%
HK$13,780
baseline
▲ 0.50% · 4.625%
HK$14,619
+HK$839/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$127,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,426
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,813
−HK$392/mo
Today · 4.125%
HK$15,205
baseline
▲ 0.50% · 4.625%
HK$16,007
+HK$802/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$127,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,561
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,045
−HK$492/mo
Today · 4.125%
HK$16,537
baseline
▲ 0.50% · 4.625%
HK$17,543
+HK$1,006/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,074/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,311
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,775
−HK$471/mo
Today · 4.125%
HK$18,246
baseline
▲ 0.50% · 4.625%
HK$19,208
+HK$962/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$127,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,154
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,719
−HK$574/mo
Today · 4.125%
HK$19,293
baseline
▲ 0.50% · 4.625%
HK$20,467
+HK$1,174/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,586/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,196
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,738
−HK$550/mo
Today · 4.125%
HK$21,288
baseline
▲ 0.50% · 4.625%
HK$22,410
+HK$1,122/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,576/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,341
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,067
−HK$738/mo
Today · 4.125%
HK$24,805
baseline
▲ 0.50% · 4.625%
HK$26,314
+HK$1,509/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,610/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$127,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,967
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,663
−HK$707/mo
Today · 4.125%
HK$27,370
baseline
▲ 0.50% · 4.625%
HK$28,812
+HK$1,442/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,740/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$127,953 · 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).