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$13,053
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,459
−HK$412/mo
Today · 4.125%
HK$13,871
baseline
▲ 0.50% · 4.625%
HK$14,715
+HK$844/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,742/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,521
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,910
−HK$395/mo
Today · 4.125%
HK$15,305
baseline
▲ 0.50% · 4.625%
HK$16,112
+HK$807/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,610/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,663
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,150
−HK$495/mo
Today · 4.125%
HK$16,645
baseline
▲ 0.50% · 4.625%
HK$17,658
+HK$1,013/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,290/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,425
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,892
−HK$475/mo
Today · 4.125%
HK$18,367
baseline
▲ 0.50% · 4.625%
HK$19,335
+HK$968/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,734/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,274
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,842
−HK$578/mo
Today · 4.125%
HK$19,420
baseline
▲ 0.50% · 4.625%
HK$20,601
+HK$1,181/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,840/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,329
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,875
−HK$553/mo
Today · 4.125%
HK$21,428
baseline
▲ 0.50% · 4.625%
HK$22,557
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,856/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,495
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,226
−HK$742/mo
Today · 4.125%
HK$24,968
baseline
▲ 0.50% · 4.625%
HK$26,487
+HK$1,519/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,936/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,138
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,839
−HK$711/mo
Today · 4.125%
HK$27,550
baseline
▲ 0.50% · 4.625%
HK$29,002
+HK$1,452/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,100/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,795 · 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).