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$127,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,369
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,755
−HK$391/mo
Today · 4.125%
HK$15,146
baseline
▲ 0.50% · 4.625%
HK$15,944
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,292/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,500
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,982
−HK$490/mo
Today · 4.125%
HK$16,472
baseline
▲ 0.50% · 4.625%
HK$17,474
+HK$1,002/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,944/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,243
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,706
−HK$469/mo
Today · 4.125%
HK$18,175
baseline
▲ 0.50% · 4.625%
HK$19,133
+HK$958/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,350/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,083
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,645
−HK$572/mo
Today · 4.125%
HK$19,217
baseline
▲ 0.50% · 4.625%
HK$20,386
+HK$1,169/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,434/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,117
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,656
−HK$548/mo
Today · 4.125%
HK$21,204
baseline
▲ 0.50% · 4.625%
HK$22,322
+HK$1,118/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,408/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,249
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,973
−HK$734/mo
Today · 4.125%
HK$24,707
baseline
▲ 0.50% · 4.625%
HK$26,211
+HK$1,504/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$127,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,865
−HK$1,397/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$127,450 · 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).