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$13,036
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,441
−HK$412/mo
Today · 4.125%
HK$13,853
baseline
▲ 0.50% · 4.625%
HK$14,696
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,706/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,502
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,891
−HK$395/mo
Today · 4.125%
HK$15,286
baseline
▲ 0.50% · 4.625%
HK$16,091
+HK$805/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,572/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,643
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,129
−HK$495/mo
Today · 4.125%
HK$16,624
baseline
▲ 0.50% · 4.625%
HK$17,635
+HK$1,011/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,248/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,403
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,869
−HK$474/mo
Today · 4.125%
HK$18,343
baseline
▲ 0.50% · 4.625%
HK$19,310
+HK$967/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,686/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,250
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,818
−HK$576/mo
Today · 4.125%
HK$19,394
baseline
▲ 0.50% · 4.625%
HK$20,575
+HK$1,181/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$38,788/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,303
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,847
−HK$553/mo
Today · 4.125%
HK$21,400
baseline
▲ 0.50% · 4.625%
HK$22,528
+HK$1,128/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$42,800/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,464
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,194
−HK$742/mo
Today · 4.125%
HK$24,936
baseline
▲ 0.50% · 4.625%
HK$26,453
+HK$1,517/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,872/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,104
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,804
−HK$710/mo
Today · 4.125%
HK$27,514
baseline
▲ 0.50% · 4.625%
HK$28,964
+HK$1,450/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,028/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,628 · 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).