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$12,954
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,357
−HK$409/mo
Today · 4.125%
HK$13,766
baseline
▲ 0.50% · 4.625%
HK$14,604
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,532/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,411
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,797
−HK$392/mo
Today · 4.125%
HK$15,189
baseline
▲ 0.50% · 4.625%
HK$15,990
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,378/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,544
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,028
−HK$491/mo
Today · 4.125%
HK$16,519
baseline
▲ 0.50% · 4.625%
HK$17,524
+HK$1,005/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,038/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,293
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,757
−HK$470/mo
Today · 4.125%
HK$18,227
baseline
▲ 0.50% · 4.625%
HK$19,188
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,454/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,135
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,699
−HK$573/mo
Today · 4.125%
HK$19,272
baseline
▲ 0.50% · 4.625%
HK$20,445
+HK$1,173/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$38,544/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,175
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,716
−HK$549/mo
Today · 4.125%
HK$21,265
baseline
▲ 0.50% · 4.625%
HK$22,386
+HK$1,121/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$42,530/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,317
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,042
−HK$737/mo
Today · 4.125%
HK$24,779
baseline
▲ 0.50% · 4.625%
HK$26,286
+HK$1,507/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,558/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,939
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,635
−HK$706/mo
Today · 4.125%
HK$27,341
baseline
▲ 0.50% · 4.625%
HK$28,782
+HK$1,441/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,682/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,818 · 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).