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$12,930
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,332
−HK$408/mo
Today · 4.125%
HK$13,740
baseline
▲ 0.50% · 4.625%
HK$14,576
+HK$836/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,480/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,384
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,770
−HK$391/mo
Today · 4.125%
HK$15,161
baseline
▲ 0.50% · 4.625%
HK$15,960
+HK$799/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,322/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,515
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,998
−HK$490/mo
Today · 4.125%
HK$16,488
baseline
▲ 0.50% · 4.625%
HK$17,492
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,976/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,261
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,724
−HK$469/mo
Today · 4.125%
HK$18,193
baseline
▲ 0.50% · 4.625%
HK$19,152
+HK$959/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,386/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,101
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,664
−HK$573/mo
Today · 4.125%
HK$19,237
baseline
▲ 0.50% · 4.625%
HK$20,407
+HK$1,170/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,474/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,138
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,678
−HK$548/mo
Today · 4.125%
HK$21,226
baseline
▲ 0.50% · 4.625%
HK$22,344
+HK$1,118/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,452/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,273
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$23,997
−HK$736/mo
Today · 4.125%
HK$24,733
baseline
▲ 0.50% · 4.625%
HK$26,238
+HK$1,505/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,466/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,891
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,586
−HK$704/mo
Today · 4.125%
HK$27,290
baseline
▲ 0.50% · 4.625%
HK$28,729
+HK$1,439/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,580/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,581 · 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).