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$13,044
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,450
−HK$412/mo
Today · 4.125%
HK$13,862
baseline
▲ 0.50% · 4.625%
HK$14,705
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,724/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,511
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,900
−HK$395/mo
Today · 4.125%
HK$15,295
baseline
▲ 0.50% · 4.625%
HK$16,101
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,590/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,653
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,140
−HK$494/mo
Today · 4.125%
HK$16,634
baseline
▲ 0.50% · 4.625%
HK$17,646
+HK$1,012/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,268/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,414
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,881
−HK$473/mo
Today · 4.125%
HK$18,354
baseline
▲ 0.50% · 4.625%
HK$19,322
+HK$968/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,708/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,262
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,830
−HK$577/mo
Today · 4.125%
HK$19,407
baseline
▲ 0.50% · 4.625%
HK$20,588
+HK$1,181/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$38,814/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,316
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,861
−HK$552/mo
Today · 4.125%
HK$21,413
baseline
▲ 0.50% · 4.625%
HK$22,542
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$42,826/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,479
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,209
−HK$742/mo
Today · 4.125%
HK$24,951
baseline
▲ 0.50% · 4.625%
HK$26,470
+HK$1,519/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,902/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,120
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,821
−HK$710/mo
Today · 4.125%
HK$27,531
baseline
▲ 0.50% · 4.625%
HK$28,983
+HK$1,452/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,062/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,709 · 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).