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$12,927
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,329
−HK$409/mo
Today · 4.125%
HK$13,738
baseline
▲ 0.50% · 4.625%
HK$14,574
+HK$836/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,476/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,381
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,767
−HK$391/mo
Today · 4.125%
HK$15,158
baseline
▲ 0.50% · 4.625%
HK$15,957
+HK$799/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,316/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,513
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,995
−HK$491/mo
Today · 4.125%
HK$16,486
baseline
▲ 0.50% · 4.625%
HK$17,489
+HK$1,003/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,972/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,258
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,721
−HK$469/mo
Today · 4.125%
HK$18,190
baseline
▲ 0.50% · 4.625%
HK$19,149
+HK$959/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,380/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,098
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,661
−HK$572/mo
Today · 4.125%
HK$19,233
baseline
▲ 0.50% · 4.625%
HK$20,403
+HK$1,170/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,466/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,134
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,674
−HK$548/mo
Today · 4.125%
HK$21,222
baseline
▲ 0.50% · 4.625%
HK$22,340
+HK$1,118/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,444/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,269
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,993
−HK$735/mo
Today · 4.125%
HK$24,728
baseline
▲ 0.50% · 4.625%
HK$26,233
+HK$1,505/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,456/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,887
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,581
−HK$704/mo
Today · 4.125%
HK$27,285
baseline
▲ 0.50% · 4.625%
HK$28,723
+HK$1,438/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,570/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,558 · 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).