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$13,057
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,463
−HK$413/mo
Today · 4.125%
HK$13,876
baseline
▲ 0.50% · 4.625%
HK$14,720
+HK$844/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,752/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,526
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,916
−HK$395/mo
Today · 4.125%
HK$15,311
baseline
▲ 0.50% · 4.625%
HK$16,118
+HK$807/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,622/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,669
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,156
−HK$495/mo
Today · 4.125%
HK$16,651
baseline
▲ 0.50% · 4.625%
HK$17,664
+HK$1,013/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,302/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,431
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,899
−HK$474/mo
Today · 4.125%
HK$18,373
baseline
▲ 0.50% · 4.625%
HK$19,342
+HK$969/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,746/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,280
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,849
−HK$578/mo
Today · 4.125%
HK$19,427
baseline
▲ 0.50% · 4.625%
HK$20,609
+HK$1,182/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,854/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,337
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,882
−HK$553/mo
Today · 4.125%
HK$21,435
baseline
▲ 0.50% · 4.625%
HK$22,565
+HK$1,130/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,870/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,503
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,234
−HK$743/mo
Today · 4.125%
HK$24,977
baseline
▲ 0.50% · 4.625%
HK$26,497
+HK$1,520/mo
Deposit HK$573K · loan HK$5.15M · min. income ≈ HK$49,954/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,147
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,848
−HK$712/mo
Today · 4.125%
HK$27,560
baseline
▲ 0.50% · 4.625%
HK$29,012
+HK$1,452/mo
Deposit HK$573K · loan HK$5.15M · min. income ≈ HK$55,120/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,841 · 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).