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$12,933
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,335
−HK$409/mo
Today · 4.125%
HK$13,744
baseline
▲ 0.50% · 4.625%
HK$14,580
+HK$836/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,488/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,388
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,774
−HK$391/mo
Today · 4.125%
HK$15,165
baseline
▲ 0.50% · 4.625%
HK$15,965
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,330/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,520
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,002
−HK$491/mo
Today · 4.125%
HK$16,493
baseline
▲ 0.50% · 4.625%
HK$17,497
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,986/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,266
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,729
−HK$469/mo
Today · 4.125%
HK$18,198
baseline
▲ 0.50% · 4.625%
HK$19,158
+HK$960/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,396/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,106
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,670
−HK$572/mo
Today · 4.125%
HK$19,242
baseline
▲ 0.50% · 4.625%
HK$20,413
+HK$1,171/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,484/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,143
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,683
−HK$548/mo
Today · 4.125%
HK$21,231
baseline
▲ 0.50% · 4.625%
HK$22,351
+HK$1,120/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,462/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,280
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$24,004
−HK$735/mo
Today · 4.125%
HK$24,739
baseline
▲ 0.50% · 4.625%
HK$26,245
+HK$1,506/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,478/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,898
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,593
−HK$705/mo
Today · 4.125%
HK$27,298
baseline
▲ 0.50% · 4.625%
HK$28,736
+HK$1,438/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,596/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,616 · 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).