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$12,940
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,342
−HK$409/mo
Today · 4.125%
HK$13,751
baseline
▲ 0.50% · 4.625%
HK$14,588
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,502/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,395
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,781
−HK$392/mo
Today · 4.125%
HK$15,173
baseline
▲ 0.50% · 4.625%
HK$15,973
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,346/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,527
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,010
−HK$491/mo
Today · 4.125%
HK$16,501
baseline
▲ 0.50% · 4.625%
HK$17,505
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$33,002/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,274
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,737
−HK$470/mo
Today · 4.125%
HK$18,207
baseline
▲ 0.50% · 4.625%
HK$19,167
+HK$960/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,414/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,115
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,679
−HK$572/mo
Today · 4.125%
HK$19,251
baseline
▲ 0.50% · 4.625%
HK$20,423
+HK$1,172/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,502/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,153
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,694
−HK$548/mo
Today · 4.125%
HK$21,242
baseline
▲ 0.50% · 4.625%
HK$22,362
+HK$1,120/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,484/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,291
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,016
−HK$736/mo
Today · 4.125%
HK$24,752
baseline
▲ 0.50% · 4.625%
HK$26,258
+HK$1,506/mo
Deposit HK$567K · loan HK$5.11M · min. income ≈ HK$49,504/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,911
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,606
−HK$705/mo
Today · 4.125%
HK$27,311
baseline
▲ 0.50% · 4.625%
HK$28,751
+HK$1,440/mo
Deposit HK$567K · loan HK$5.11M · min. income ≈ HK$54,622/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,679 · 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).