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$12,974
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,377
−HK$410/mo
Today · 4.125%
HK$13,787
baseline
▲ 0.50% · 4.625%
HK$14,626
+HK$839/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,574/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,433
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,820
−HK$393/mo
Today · 4.125%
HK$15,213
baseline
▲ 0.50% · 4.625%
HK$16,015
+HK$802/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,426/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,569
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,053
−HK$492/mo
Today · 4.125%
HK$16,545
baseline
▲ 0.50% · 4.625%
HK$17,552
+HK$1,007/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$33,090/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$128,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,320
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,784
−HK$472/mo
Today · 4.125%
HK$18,256
baseline
▲ 0.50% · 4.625%
HK$19,218
+HK$962/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$36,512/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$128,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,163
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,728
−HK$574/mo
Today · 4.125%
HK$19,302
baseline
▲ 0.50% · 4.625%
HK$20,477
+HK$1,175/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,604/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$128,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,207
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,748
−HK$550/mo
Today · 4.125%
HK$21,298
baseline
▲ 0.50% · 4.625%
HK$22,421
+HK$1,123/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,596/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$128,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,353
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,079
−HK$738/mo
Today · 4.125%
HK$24,817
baseline
▲ 0.50% · 4.625%
HK$26,327
+HK$1,510/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,634/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,980
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,677
−HK$706/mo
Today · 4.125%
HK$27,383
baseline
▲ 0.50% · 4.625%
HK$28,827
+HK$1,444/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,766/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,017 · 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).