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$13,300
−HK$408/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$127,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,350
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,735
−HK$390/mo
Today · 4.125%
HK$15,125
baseline
▲ 0.50% · 4.625%
HK$15,922
+HK$797/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,250/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,479
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,960
−HK$489/mo
Today · 4.125%
HK$16,449
baseline
▲ 0.50% · 4.625%
HK$17,450
+HK$1,001/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,898/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,220
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,682
−HK$468/mo
Today · 4.125%
HK$18,150
baseline
▲ 0.50% · 4.625%
HK$19,107
+HK$957/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,300/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,058
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,620
−HK$571/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$127,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,090
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,629
−HK$546/mo
Today · 4.125%
HK$21,175
baseline
▲ 0.50% · 4.625%
HK$22,291
+HK$1,116/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,350/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,218
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,940
−HK$734/mo
Today · 4.125%
HK$24,674
baseline
▲ 0.50% · 4.625%
HK$26,175
+HK$1,501/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$49,348/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,830
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,522
−HK$703/mo
Today · 4.125%
HK$27,225
baseline
▲ 0.50% · 4.625%
HK$28,660
+HK$1,435/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$54,450/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,278 · 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).