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$13,030
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,435
−HK$412/mo
Today · 4.125%
HK$13,847
baseline
▲ 0.50% · 4.625%
HK$14,690
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,694/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,496
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,884
−HK$395/mo
Today · 4.125%
HK$15,279
baseline
▲ 0.50% · 4.625%
HK$16,084
+HK$805/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,558/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,636
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,122
−HK$494/mo
Today · 4.125%
HK$16,616
baseline
▲ 0.50% · 4.625%
HK$17,628
+HK$1,012/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,232/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,395
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,861
−HK$474/mo
Today · 4.125%
HK$18,335
baseline
▲ 0.50% · 4.625%
HK$19,301
+HK$966/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,670/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,242
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,809
−HK$577/mo
Today · 4.125%
HK$19,386
baseline
▲ 0.50% · 4.625%
HK$20,565
+HK$1,179/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,772/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,294
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,838
−HK$552/mo
Today · 4.125%
HK$21,390
baseline
▲ 0.50% · 4.625%
HK$22,518
+HK$1,128/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,780/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,454
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,183
−HK$742/mo
Today · 4.125%
HK$24,925
baseline
▲ 0.50% · 4.625%
HK$26,441
+HK$1,516/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,850/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,092
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,792
−HK$710/mo
Today · 4.125%
HK$27,502
baseline
▲ 0.50% · 4.625%
HK$28,952
+HK$1,450/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$55,004/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,571 · 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).