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$13,026
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,431
−HK$412/mo
Today · 4.125%
HK$13,843
baseline
▲ 0.50% · 4.625%
HK$14,685
+HK$842/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,686/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,491
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,880
−HK$394/mo
Today · 4.125%
HK$15,274
baseline
▲ 0.50% · 4.625%
HK$16,080
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,548/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,631
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,118
−HK$494/mo
Today · 4.125%
HK$16,612
baseline
▲ 0.50% · 4.625%
HK$17,622
+HK$1,010/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,224/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,390
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,856
−HK$473/mo
Today · 4.125%
HK$18,329
baseline
▲ 0.50% · 4.625%
HK$19,295
+HK$966/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,658/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,237
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,804
−HK$576/mo
Today · 4.125%
HK$19,380
baseline
▲ 0.50% · 4.625%
HK$20,559
+HK$1,179/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,760/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,288
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,832
−HK$552/mo
Today · 4.125%
HK$21,384
baseline
▲ 0.50% · 4.625%
HK$22,511
+HK$1,127/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,768/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,447
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,176
−HK$741/mo
Today · 4.125%
HK$24,917
baseline
▲ 0.50% · 4.625%
HK$26,434
+HK$1,517/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,834/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,085
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,784
−HK$710/mo
Today · 4.125%
HK$27,494
baseline
▲ 0.50% · 4.625%
HK$28,943
+HK$1,449/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$54,988/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,534 · 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).