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$12,908
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,309
−HK$408/mo
Today · 4.125%
HK$13,717
baseline
▲ 0.50% · 4.625%
HK$14,552
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,434/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,360
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,745
−HK$391/mo
Today · 4.125%
HK$15,136
baseline
▲ 0.50% · 4.625%
HK$15,933
+HK$797/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,272/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,489
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,971
−HK$490/mo
Today · 4.125%
HK$16,461
baseline
▲ 0.50% · 4.625%
HK$17,462
+HK$1,001/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$32,922/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,232
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,694
−HK$469/mo
Today · 4.125%
HK$18,163
baseline
▲ 0.50% · 4.625%
HK$19,120
+HK$957/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$36,326/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,071
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,633
−HK$571/mo
Today · 4.125%
HK$19,204
baseline
▲ 0.50% · 4.625%
HK$20,373
+HK$1,169/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,408/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,104
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,643
−HK$547/mo
Today · 4.125%
HK$21,190
baseline
▲ 0.50% · 4.625%
HK$22,307
+HK$1,117/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,380/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,234
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,957
−HK$734/mo
Today · 4.125%
HK$24,691
baseline
▲ 0.50% · 4.625%
HK$26,193
+HK$1,502/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$49,382/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,848
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,541
−HK$703/mo
Today · 4.125%
HK$27,244
baseline
▲ 0.50% · 4.625%
HK$28,680
+HK$1,436/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$54,488/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,365 · 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).