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$12,899
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,301
−HK$407/mo
Today · 4.125%
HK$13,708
baseline
▲ 0.50% · 4.625%
HK$14,542
+HK$834/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,416/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,350
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,735
−HK$391/mo
Today · 4.125%
HK$15,126
baseline
▲ 0.50% · 4.625%
HK$15,923
+HK$797/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,252/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,479
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,961
−HK$489/mo
Today · 4.125%
HK$16,450
baseline
▲ 0.50% · 4.625%
HK$17,451
+HK$1,001/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,900/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,220
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,682
−HK$469/mo
Today · 4.125%
HK$18,151
baseline
▲ 0.50% · 4.625%
HK$19,107
+HK$956/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,302/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,059
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,621
−HK$570/mo
Today · 4.125%
HK$19,191
baseline
▲ 0.50% · 4.625%
HK$20,359
+HK$1,168/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,382/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,090
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,629
−HK$547/mo
Today · 4.125%
HK$21,176
baseline
▲ 0.50% · 4.625%
HK$22,292
+HK$1,116/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,352/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,219
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,941
−HK$734/mo
Today · 4.125%
HK$24,675
baseline
▲ 0.50% · 4.625%
HK$26,176
+HK$1,501/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$49,350/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,831
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,523
−HK$703/mo
Today · 4.125%
HK$27,226
baseline
▲ 0.50% · 4.625%
HK$28,661
+HK$1,435/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$54,452/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,282 · 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).