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$13,015
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,420
−HK$411/mo
Today · 4.125%
HK$13,831
baseline
▲ 0.50% · 4.625%
HK$14,673
+HK$842/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,662/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,479
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,868
−HK$394/mo
Today · 4.125%
HK$15,262
baseline
▲ 0.50% · 4.625%
HK$16,066
+HK$804/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,524/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,618
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,104
−HK$494/mo
Today · 4.125%
HK$16,598
baseline
▲ 0.50% · 4.625%
HK$17,608
+HK$1,010/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,196/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,375
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,841
−HK$473/mo
Today · 4.125%
HK$18,314
baseline
▲ 0.50% · 4.625%
HK$19,279
+HK$965/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,628/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,221
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,788
−HK$576/mo
Today · 4.125%
HK$19,364
baseline
▲ 0.50% · 4.625%
HK$20,542
+HK$1,178/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,728/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,271
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,815
−HK$551/mo
Today · 4.125%
HK$21,366
baseline
▲ 0.50% · 4.625%
HK$22,492
+HK$1,126/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,732/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,427
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,156
−HK$740/mo
Today · 4.125%
HK$24,896
baseline
▲ 0.50% · 4.625%
HK$26,411
+HK$1,515/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,792/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,063
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,762
−HK$709/mo
Today · 4.125%
HK$27,471
baseline
▲ 0.50% · 4.625%
HK$28,919
+HK$1,448/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$54,942/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,425 · 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).