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$12,894
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,295
−HK$407/mo
Today · 4.125%
HK$13,702
baseline
▲ 0.50% · 4.625%
HK$14,536
+HK$834/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,404/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,344
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,729
−HK$390/mo
Today · 4.125%
HK$15,119
baseline
▲ 0.50% · 4.625%
HK$15,916
+HK$797/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,238/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,472
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,954
−HK$489/mo
Today · 4.125%
HK$16,443
baseline
▲ 0.50% · 4.625%
HK$17,443
+HK$1,000/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,886/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,213
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,674
−HK$469/mo
Today · 4.125%
HK$18,143
baseline
▲ 0.50% · 4.625%
HK$19,099
+HK$956/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,286/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,051
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,613
−HK$570/mo
Today · 4.125%
HK$19,183
baseline
▲ 0.50% · 4.625%
HK$20,350
+HK$1,167/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,366/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,082
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,620
−HK$547/mo
Today · 4.125%
HK$21,167
baseline
▲ 0.50% · 4.625%
HK$22,282
+HK$1,115/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,334/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,209
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,930
−HK$734/mo
Today · 4.125%
HK$24,664
baseline
▲ 0.50% · 4.625%
HK$26,165
+HK$1,501/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$49,328/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,819
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,512
−HK$702/mo
Today · 4.125%
HK$27,214
baseline
▲ 0.50% · 4.625%
HK$28,649
+HK$1,435/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$54,428/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,226 · 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).