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$12,957
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,360
−HK$410/mo
Today · 4.125%
HK$13,770
baseline
▲ 0.50% · 4.625%
HK$14,608
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,540/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,415
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,802
−HK$392/mo
Today · 4.125%
HK$15,194
baseline
▲ 0.50% · 4.625%
HK$15,995
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,388/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,549
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,032
−HK$492/mo
Today · 4.125%
HK$16,524
baseline
▲ 0.50% · 4.625%
HK$17,529
+HK$1,005/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,048/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,298
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,762
−HK$470/mo
Today · 4.125%
HK$18,232
baseline
▲ 0.50% · 4.625%
HK$19,194
+HK$962/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,464/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,140
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,705
−HK$573/mo
Today · 4.125%
HK$19,278
baseline
▲ 0.50% · 4.625%
HK$20,451
+HK$1,173/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$38,556/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,181
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,722
−HK$549/mo
Today · 4.125%
HK$21,271
baseline
▲ 0.50% · 4.625%
HK$22,392
+HK$1,121/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$42,542/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,323
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,049
−HK$737/mo
Today · 4.125%
HK$24,786
baseline
▲ 0.50% · 4.625%
HK$26,294
+HK$1,508/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,572/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,947
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,643
−HK$706/mo
Today · 4.125%
HK$27,349
baseline
▲ 0.50% · 4.625%
HK$28,790
+HK$1,441/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,698/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,855 · 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).