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$12,942
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,344
−HK$409/mo
Today · 4.125%
HK$13,753
baseline
▲ 0.50% · 4.625%
HK$14,590
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,506/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,397
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,784
−HK$391/mo
Today · 4.125%
HK$15,175
baseline
▲ 0.50% · 4.625%
HK$15,975
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,350/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,530
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,013
−HK$491/mo
Today · 4.125%
HK$16,504
baseline
▲ 0.50% · 4.625%
HK$17,508
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,008/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,277
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,740
−HK$470/mo
Today · 4.125%
HK$18,210
baseline
▲ 0.50% · 4.625%
HK$19,170
+HK$960/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,420/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,118
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,682
−HK$573/mo
Today · 4.125%
HK$19,255
baseline
▲ 0.50% · 4.625%
HK$20,426
+HK$1,171/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,510/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,156
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,697
−HK$548/mo
Today · 4.125%
HK$21,245
baseline
▲ 0.50% · 4.625%
HK$22,365
+HK$1,120/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,490/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,295
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,020
−HK$736/mo
Today · 4.125%
HK$24,756
baseline
▲ 0.50% · 4.625%
HK$26,262
+HK$1,506/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,512/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,915
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,610
−HK$706/mo
Today · 4.125%
HK$27,316
baseline
▲ 0.50% · 4.625%
HK$28,755
+HK$1,439/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,632/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,700 · 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).