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$12,925
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,327
−HK$408/mo
Today · 4.125%
HK$13,735
baseline
▲ 0.50% · 4.625%
HK$14,571
+HK$836/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,470/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,379
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,764
−HK$392/mo
Today · 4.125%
HK$15,156
baseline
▲ 0.50% · 4.625%
HK$15,954
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,312/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,510
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,992
−HK$490/mo
Today · 4.125%
HK$16,482
baseline
▲ 0.50% · 4.625%
HK$17,485
+HK$1,003/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,964/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,255
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,717
−HK$470/mo
Today · 4.125%
HK$18,187
baseline
▲ 0.50% · 4.625%
HK$19,145
+HK$958/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,374/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,095
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,658
−HK$572/mo
Today · 4.125%
HK$19,230
baseline
▲ 0.50% · 4.625%
HK$20,400
+HK$1,170/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,460/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,130
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,670
−HK$548/mo
Today · 4.125%
HK$21,218
baseline
▲ 0.50% · 4.625%
HK$22,336
+HK$1,118/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,436/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,265
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,988
−HK$736/mo
Today · 4.125%
HK$24,724
baseline
▲ 0.50% · 4.625%
HK$26,228
+HK$1,504/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,448/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,882
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,576
−HK$704/mo
Today · 4.125%
HK$27,280
baseline
▲ 0.50% · 4.625%
HK$28,718
+HK$1,438/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,560/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,534 · 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).