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$12,885
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,286
−HK$407/mo
Today · 4.125%
HK$13,693
baseline
▲ 0.50% · 4.625%
HK$14,526
+HK$833/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,386/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,335
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,719
−HK$390/mo
Today · 4.125%
HK$15,109
baseline
▲ 0.50% · 4.625%
HK$15,906
+HK$797/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,218/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,462
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,943
−HK$489/mo
Today · 4.125%
HK$16,432
baseline
▲ 0.50% · 4.625%
HK$17,432
+HK$1,000/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,864/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,202
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,663
−HK$468/mo
Today · 4.125%
HK$18,131
baseline
▲ 0.50% · 4.625%
HK$19,087
+HK$956/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,262/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,039
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,600
−HK$571/mo
Today · 4.125%
HK$19,171
baseline
▲ 0.50% · 4.625%
HK$20,337
+HK$1,166/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,342/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,069
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,607
−HK$546/mo
Today · 4.125%
HK$21,153
baseline
▲ 0.50% · 4.625%
HK$22,268
+HK$1,115/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,306/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,193
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,915
−HK$733/mo
Today · 4.125%
HK$24,648
baseline
▲ 0.50% · 4.625%
HK$26,148
+HK$1,500/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$49,296/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,802
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,494
−HK$702/mo
Today · 4.125%
HK$27,196
baseline
▲ 0.50% · 4.625%
HK$28,630
+HK$1,434/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$54,392/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,143 · 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).