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$12,968
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,372
−HK$410/mo
Today · 4.125%
HK$13,782
baseline
▲ 0.50% · 4.625%
HK$14,620
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,564/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,427
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,814
−HK$393/mo
Today · 4.125%
HK$15,207
baseline
▲ 0.50% · 4.625%
HK$16,008
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,414/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,562
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,046
−HK$492/mo
Today · 4.125%
HK$16,538
baseline
▲ 0.50% · 4.625%
HK$17,544
+HK$1,006/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,076/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,313
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,777
−HK$471/mo
Today · 4.125%
HK$18,248
baseline
▲ 0.50% · 4.625%
HK$19,210
+HK$962/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,496/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,156
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,721
−HK$573/mo
Today · 4.125%
HK$19,294
baseline
▲ 0.50% · 4.625%
HK$20,468
+HK$1,174/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,588/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,198
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,740
−HK$549/mo
Today · 4.125%
HK$21,289
baseline
▲ 0.50% · 4.625%
HK$22,412
+HK$1,123/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,578/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,343
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,069
−HK$738/mo
Today · 4.125%
HK$24,807
baseline
▲ 0.50% · 4.625%
HK$26,316
+HK$1,509/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,614/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$127,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,969
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,665
−HK$707/mo
Today · 4.125%
HK$27,372
baseline
▲ 0.50% · 4.625%
HK$28,815
+HK$1,443/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,744/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$127,964 · 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).