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$13,040
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,446
−HK$412/mo
Today · 4.125%
HK$13,858
baseline
▲ 0.50% · 4.625%
HK$14,701
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,716/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,507
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,896
−HK$395/mo
Today · 4.125%
HK$15,291
baseline
▲ 0.50% · 4.625%
HK$16,097
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,582/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,648
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,135
−HK$494/mo
Today · 4.125%
HK$16,629
baseline
▲ 0.50% · 4.625%
HK$17,641
+HK$1,012/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,258/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,408
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,875
−HK$474/mo
Today · 4.125%
HK$18,349
baseline
▲ 0.50% · 4.625%
HK$19,316
+HK$967/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,698/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,256
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,824
−HK$577/mo
Today · 4.125%
HK$19,401
baseline
▲ 0.50% · 4.625%
HK$20,582
+HK$1,181/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$38,802/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,310
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,855
−HK$552/mo
Today · 4.125%
HK$21,407
baseline
▲ 0.50% · 4.625%
HK$22,536
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$42,814/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,472
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,202
−HK$742/mo
Today · 4.125%
HK$24,944
baseline
▲ 0.50% · 4.625%
HK$26,462
+HK$1,518/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,888/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,113
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,813
−HK$710/mo
Today · 4.125%
HK$27,523
baseline
▲ 0.50% · 4.625%
HK$28,974
+HK$1,451/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,046/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,672 · 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).