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$12,916
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,318
−HK$408/mo
Today · 4.125%
HK$13,726
baseline
▲ 0.50% · 4.625%
HK$14,561
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,452/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,369
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,754
−HK$391/mo
Today · 4.125%
HK$15,145
baseline
▲ 0.50% · 4.625%
HK$15,944
+HK$799/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,290/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,499
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,981
−HK$490/mo
Today · 4.125%
HK$16,471
baseline
▲ 0.50% · 4.625%
HK$17,474
+HK$1,003/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,942/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,243
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,705
−HK$469/mo
Today · 4.125%
HK$18,174
baseline
▲ 0.50% · 4.625%
HK$19,132
+HK$958/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,348/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,083
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,645
−HK$571/mo
Today · 4.125%
HK$19,216
baseline
▲ 0.50% · 4.625%
HK$20,386
+HK$1,170/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,432/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,117
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,656
−HK$547/mo
Today · 4.125%
HK$21,203
baseline
▲ 0.50% · 4.625%
HK$22,321
+HK$1,118/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,406/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,249
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,972
−HK$735/mo
Today · 4.125%
HK$24,707
baseline
▲ 0.50% · 4.625%
HK$26,210
+HK$1,503/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$49,414/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,864
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,558
−HK$704/mo
Today · 4.125%
HK$27,262
baseline
▲ 0.50% · 4.625%
HK$28,699
+HK$1,437/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$54,524/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,448 · 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).