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$12,962
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,365
−HK$410/mo
Today · 4.125%
HK$13,775
baseline
▲ 0.50% · 4.625%
HK$14,613
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,550/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,420
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,807
−HK$392/mo
Today · 4.125%
HK$15,199
baseline
▲ 0.50% · 4.625%
HK$16,000
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,398/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,554
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,038
−HK$492/mo
Today · 4.125%
HK$16,530
baseline
▲ 0.50% · 4.625%
HK$17,536
+HK$1,006/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,060/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,304
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,768
−HK$471/mo
Today · 4.125%
HK$18,239
baseline
▲ 0.50% · 4.625%
HK$19,200
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,478/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,147
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,711
−HK$574/mo
Today · 4.125%
HK$19,285
baseline
▲ 0.50% · 4.625%
HK$20,458
+HK$1,173/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,570/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,188
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,730
−HK$549/mo
Today · 4.125%
HK$21,279
baseline
▲ 0.50% · 4.625%
HK$22,401
+HK$1,122/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,558/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,332
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,057
−HK$738/mo
Today · 4.125%
HK$24,795
baseline
▲ 0.50% · 4.625%
HK$26,303
+HK$1,508/mo
Deposit HK$568K · loan HK$5.12M · min. income ≈ HK$49,590/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,956
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,652
−HK$707/mo
Today · 4.125%
HK$27,359
baseline
▲ 0.50% · 4.625%
HK$28,801
+HK$1,442/mo
Deposit HK$568K · loan HK$5.12M · min. income ≈ HK$54,718/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,901 · 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).