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$13,049
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,455
−HK$413/mo
Today · 4.125%
HK$13,868
baseline
▲ 0.50% · 4.625%
HK$14,711
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,736/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,517
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,907
−HK$395/mo
Today · 4.125%
HK$15,302
baseline
▲ 0.50% · 4.625%
HK$16,108
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,604/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,659
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,146
−HK$495/mo
Today · 4.125%
HK$16,641
baseline
▲ 0.50% · 4.625%
HK$17,654
+HK$1,013/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,282/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,421
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,888
−HK$474/mo
Today · 4.125%
HK$18,362
baseline
▲ 0.50% · 4.625%
HK$19,330
+HK$968/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,724/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,269
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,837
−HK$578/mo
Today · 4.125%
HK$19,415
baseline
▲ 0.50% · 4.625%
HK$20,596
+HK$1,181/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,830/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,324
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,869
−HK$553/mo
Today · 4.125%
HK$21,422
baseline
▲ 0.50% · 4.625%
HK$22,551
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,844/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,489
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,219
−HK$743/mo
Today · 4.125%
HK$24,962
baseline
▲ 0.50% · 4.625%
HK$26,481
+HK$1,519/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,924/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,131
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,832
−HK$711/mo
Today · 4.125%
HK$27,543
baseline
▲ 0.50% · 4.625%
HK$28,995
+HK$1,452/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,086/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,762 · 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).