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$12,902
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,304
−HK$407/mo
Today · 4.125%
HK$13,711
baseline
▲ 0.50% · 4.625%
HK$14,546
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,422/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,354
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,739
−HK$390/mo
Today · 4.125%
HK$15,129
baseline
▲ 0.50% · 4.625%
HK$15,927
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,258/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,483
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,964
−HK$490/mo
Today · 4.125%
HK$16,454
baseline
▲ 0.50% · 4.625%
HK$17,455
+HK$1,001/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,908/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,224
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,686
−HK$469/mo
Today · 4.125%
HK$18,155
baseline
▲ 0.50% · 4.625%
HK$19,112
+HK$957/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,310/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,063
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,625
−HK$571/mo
Today · 4.125%
HK$19,196
baseline
▲ 0.50% · 4.625%
HK$20,364
+HK$1,168/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,392/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,095
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,634
−HK$547/mo
Today · 4.125%
HK$21,181
baseline
▲ 0.50% · 4.625%
HK$22,297
+HK$1,116/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,362/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,224
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,946
−HK$734/mo
Today · 4.125%
HK$24,680
baseline
▲ 0.50% · 4.625%
HK$26,182
+HK$1,502/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$49,360/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,836
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,529
−HK$703/mo
Today · 4.125%
HK$27,232
baseline
▲ 0.50% · 4.625%
HK$28,668
+HK$1,436/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$54,464/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,311 · 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).