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$12,960
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,363
−HK$409/mo
Today · 4.125%
HK$13,772
baseline
▲ 0.50% · 4.625%
HK$14,610
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,544/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,417
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,804
−HK$392/mo
Today · 4.125%
HK$15,196
baseline
▲ 0.50% · 4.625%
HK$15,997
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,392/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,552
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,035
−HK$492/mo
Today · 4.125%
HK$16,527
baseline
▲ 0.50% · 4.625%
HK$17,532
+HK$1,005/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,054/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,301
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,765
−HK$471/mo
Today · 4.125%
HK$18,236
baseline
▲ 0.50% · 4.625%
HK$19,197
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,472/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,143
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,708
−HK$573/mo
Today · 4.125%
HK$19,281
baseline
▲ 0.50% · 4.625%
HK$20,454
+HK$1,173/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,562/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,184
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,726
−HK$549/mo
Today · 4.125%
HK$21,275
baseline
▲ 0.50% · 4.625%
HK$22,396
+HK$1,121/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,550/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,327
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,053
−HK$737/mo
Today · 4.125%
HK$24,790
baseline
▲ 0.50% · 4.625%
HK$26,299
+HK$1,509/mo
Deposit HK$568K · loan HK$5.12M · min. income ≈ HK$49,580/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,951
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,647
−HK$706/mo
Today · 4.125%
HK$27,353
baseline
▲ 0.50% · 4.625%
HK$28,795
+HK$1,442/mo
Deposit HK$568K · loan HK$5.12M · min. income ≈ HK$54,706/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,877 · 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).