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$12,944
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,346
−HK$409/mo
Today · 4.125%
HK$13,755
baseline
▲ 0.50% · 4.625%
HK$14,592
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,510/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,400
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,786
−HK$392/mo
Today · 4.125%
HK$15,178
baseline
▲ 0.50% · 4.625%
HK$15,978
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,356/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,532
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,016
−HK$490/mo
Today · 4.125%
HK$16,506
baseline
▲ 0.50% · 4.625%
HK$17,511
+HK$1,005/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,012/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,280
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,743
−HK$470/mo
Today · 4.125%
HK$18,213
baseline
▲ 0.50% · 4.625%
HK$19,173
+HK$960/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,426/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,121
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,685
−HK$573/mo
Today · 4.125%
HK$19,258
baseline
▲ 0.50% · 4.625%
HK$20,429
+HK$1,171/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,516/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,160
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,700
−HK$549/mo
Today · 4.125%
HK$21,249
baseline
▲ 0.50% · 4.625%
HK$22,369
+HK$1,120/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,498/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,299
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,023
−HK$737/mo
Today · 4.125%
HK$24,760
baseline
▲ 0.50% · 4.625%
HK$26,266
+HK$1,506/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,520/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,920
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,615
−HK$705/mo
Today · 4.125%
HK$27,320
baseline
▲ 0.50% · 4.625%
HK$28,760
+HK$1,440/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,640/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,720 · 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).