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$12,971
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,374
−HK$410/mo
Today · 4.125%
HK$13,784
baseline
▲ 0.50% · 4.625%
HK$14,623
+HK$839/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,568/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,430
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,817
−HK$392/mo
Today · 4.125%
HK$15,209
baseline
▲ 0.50% · 4.625%
HK$16,011
+HK$802/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,418/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,565
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,049
−HK$492/mo
Today · 4.125%
HK$16,541
baseline
▲ 0.50% · 4.625%
HK$17,547
+HK$1,006/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$33,082/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,316
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,780
−HK$471/mo
Today · 4.125%
HK$18,251
baseline
▲ 0.50% · 4.625%
HK$19,213
+HK$962/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$36,502/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,159
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,724
−HK$574/mo
Today · 4.125%
HK$19,298
baseline
▲ 0.50% · 4.625%
HK$20,472
+HK$1,174/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,596/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,202
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,743
−HK$550/mo
Today · 4.125%
HK$21,293
baseline
▲ 0.50% · 4.625%
HK$22,415
+HK$1,122/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,586/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,347
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,073
−HK$738/mo
Today · 4.125%
HK$24,811
baseline
▲ 0.50% · 4.625%
HK$26,321
+HK$1,510/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,622/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$127,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,974
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,670
−HK$707/mo
Today · 4.125%
HK$27,377
baseline
▲ 0.50% · 4.625%
HK$28,820
+HK$1,443/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,754/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$127,986 · 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).