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$13,060
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,467
−HK$412/mo
Today · 4.125%
HK$13,879
baseline
▲ 0.50% · 4.625%
HK$14,724
+HK$845/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,758/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,530
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,919
−HK$396/mo
Today · 4.125%
HK$15,315
baseline
▲ 0.50% · 4.625%
HK$16,122
+HK$807/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,630/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,672
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,160
−HK$495/mo
Today · 4.125%
HK$16,655
baseline
▲ 0.50% · 4.625%
HK$17,669
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,310/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,435
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,903
−HK$474/mo
Today · 4.125%
HK$18,377
baseline
▲ 0.50% · 4.625%
HK$19,346
+HK$969/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,754/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,285
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,853
−HK$578/mo
Today · 4.125%
HK$19,431
baseline
▲ 0.50% · 4.625%
HK$20,613
+HK$1,182/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,862/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,341
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,887
−HK$553/mo
Today · 4.125%
HK$21,440
baseline
▲ 0.50% · 4.625%
HK$22,570
+HK$1,130/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,880/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,509
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,240
−HK$743/mo
Today · 4.125%
HK$24,983
baseline
▲ 0.50% · 4.625%
HK$26,503
+HK$1,520/mo
Deposit HK$573K · loan HK$5.15M · min. income ≈ HK$49,966/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,153
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,855
−HK$711/mo
Today · 4.125%
HK$27,566
baseline
▲ 0.50% · 4.625%
HK$29,019
+HK$1,453/mo
Deposit HK$573K · loan HK$5.15M · min. income ≈ HK$55,132/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,871 · 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).