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$13,048
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,453
−HK$413/mo
Today · 4.125%
HK$13,866
baseline
▲ 0.50% · 4.625%
HK$14,710
+HK$844/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,732/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,515
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,905
−HK$395/mo
Today · 4.125%
HK$15,300
baseline
▲ 0.50% · 4.625%
HK$16,106
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,600/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,657
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,144
−HK$495/mo
Today · 4.125%
HK$16,639
baseline
▲ 0.50% · 4.625%
HK$17,651
+HK$1,012/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,278/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,418
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,886
−HK$474/mo
Today · 4.125%
HK$18,360
baseline
▲ 0.50% · 4.625%
HK$19,327
+HK$967/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,720/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,267
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,835
−HK$577/mo
Today · 4.125%
HK$19,412
baseline
▲ 0.50% · 4.625%
HK$20,593
+HK$1,181/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,824/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,322
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,867
−HK$552/mo
Today · 4.125%
HK$21,419
baseline
▲ 0.50% · 4.625%
HK$22,548
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,838/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,486
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,216
−HK$743/mo
Today · 4.125%
HK$24,959
baseline
▲ 0.50% · 4.625%
HK$26,477
+HK$1,518/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,918/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,128
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,828
−HK$711/mo
Today · 4.125%
HK$27,539
baseline
▲ 0.50% · 4.625%
HK$28,991
+HK$1,452/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,078/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,746 · 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).