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$12,890
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,291
−HK$408/mo
Today · 4.125%
HK$13,699
baseline
▲ 0.50% · 4.625%
HK$14,532
+HK$833/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,398/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,340
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,725
−HK$390/mo
Today · 4.125%
HK$15,115
baseline
▲ 0.50% · 4.625%
HK$15,912
+HK$797/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,230/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,469
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,950
−HK$489/mo
Today · 4.125%
HK$16,439
baseline
▲ 0.50% · 4.625%
HK$17,439
+HK$1,000/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,878/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,209
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,670
−HK$468/mo
Today · 4.125%
HK$18,138
baseline
▲ 0.50% · 4.625%
HK$19,094
+HK$956/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,276/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,047
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,608
−HK$570/mo
Today · 4.125%
HK$19,178
baseline
▲ 0.50% · 4.625%
HK$20,345
+HK$1,167/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,356/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,077
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,615
−HK$546/mo
Today · 4.125%
HK$21,161
baseline
▲ 0.50% · 4.625%
HK$22,277
+HK$1,116/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,322/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,203
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,925
−HK$733/mo
Today · 4.125%
HK$24,658
baseline
▲ 0.50% · 4.625%
HK$26,158
+HK$1,500/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$49,316/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,813
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,505
−HK$702/mo
Today · 4.125%
HK$27,207
baseline
▲ 0.50% · 4.625%
HK$28,642
+HK$1,435/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$54,414/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,194 · 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).