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$12,956
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,359
−HK$410/mo
Today · 4.125%
HK$13,769
baseline
▲ 0.50% · 4.625%
HK$14,607
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,538/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,414
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,800
−HK$393/mo
Today · 4.125%
HK$15,193
baseline
▲ 0.50% · 4.625%
HK$15,993
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,386/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,548
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,031
−HK$492/mo
Today · 4.125%
HK$16,523
baseline
▲ 0.50% · 4.625%
HK$17,528
+HK$1,005/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,046/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,297
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,761
−HK$470/mo
Today · 4.125%
HK$18,231
baseline
▲ 0.50% · 4.625%
HK$19,192
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,462/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,139
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,703
−HK$573/mo
Today · 4.125%
HK$19,276
baseline
▲ 0.50% · 4.625%
HK$20,449
+HK$1,173/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$38,552/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,179
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,721
−HK$549/mo
Today · 4.125%
HK$21,270
baseline
▲ 0.50% · 4.625%
HK$22,391
+HK$1,121/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$42,540/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,322
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,047
−HK$737/mo
Today · 4.125%
HK$24,784
baseline
▲ 0.50% · 4.625%
HK$26,292
+HK$1,508/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,568/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,945
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,641
−HK$706/mo
Today · 4.125%
HK$27,347
baseline
▲ 0.50% · 4.625%
HK$28,788
+HK$1,441/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,694/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,846 · 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).