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$12,952
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,355
−HK$409/mo
Today · 4.125%
HK$13,764
baseline
▲ 0.50% · 4.625%
HK$14,602
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,528/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,409
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,795
−HK$392/mo
Today · 4.125%
HK$15,187
baseline
▲ 0.50% · 4.625%
HK$15,988
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,374/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,542
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,026
−HK$491/mo
Today · 4.125%
HK$16,517
baseline
▲ 0.50% · 4.625%
HK$17,522
+HK$1,005/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,034/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,291
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,754
−HK$471/mo
Today · 4.125%
HK$18,225
baseline
▲ 0.50% · 4.625%
HK$19,185
+HK$960/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,450/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,133
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,697
−HK$573/mo
Today · 4.125%
HK$19,270
baseline
▲ 0.50% · 4.625%
HK$20,442
+HK$1,172/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$38,540/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,172
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,713
−HK$549/mo
Today · 4.125%
HK$21,262
baseline
▲ 0.50% · 4.625%
HK$22,383
+HK$1,121/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$42,524/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,313
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,038
−HK$737/mo
Today · 4.125%
HK$24,775
baseline
▲ 0.50% · 4.625%
HK$26,283
+HK$1,508/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,550/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,936
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,631
−HK$706/mo
Today · 4.125%
HK$27,337
baseline
▲ 0.50% · 4.625%
HK$28,778
+HK$1,441/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,674/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,800 · 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).