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$13,031
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,436
−HK$412/mo
Today · 4.125%
HK$13,848
baseline
▲ 0.50% · 4.625%
HK$14,691
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,696/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,497
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,886
−HK$394/mo
Today · 4.125%
HK$15,280
baseline
▲ 0.50% · 4.625%
HK$16,086
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,560/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,637
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,124
−HK$494/mo
Today · 4.125%
HK$16,618
baseline
▲ 0.50% · 4.625%
HK$17,629
+HK$1,011/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,236/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,396
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,863
−HK$473/mo
Today · 4.125%
HK$18,336
baseline
▲ 0.50% · 4.625%
HK$19,303
+HK$967/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,672/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,243
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,811
−HK$577/mo
Today · 4.125%
HK$19,388
baseline
▲ 0.50% · 4.625%
HK$20,567
+HK$1,179/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,776/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,296
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,840
−HK$552/mo
Today · 4.125%
HK$21,392
baseline
▲ 0.50% · 4.625%
HK$22,520
+HK$1,128/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,784/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,456
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,186
−HK$741/mo
Today · 4.125%
HK$24,927
baseline
▲ 0.50% · 4.625%
HK$26,444
+HK$1,517/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,854/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,094
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,794
−HK$710/mo
Today · 4.125%
HK$27,504
baseline
▲ 0.50% · 4.625%
HK$28,954
+HK$1,450/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$55,008/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,582 · 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).