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$12,903
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,305
−HK$407/mo
Today · 4.125%
HK$13,712
baseline
▲ 0.50% · 4.625%
HK$14,547
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,424/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,355
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,740
−HK$390/mo
Today · 4.125%
HK$15,130
baseline
▲ 0.50% · 4.625%
HK$15,928
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,260/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,484
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,965
−HK$490/mo
Today · 4.125%
HK$16,455
baseline
▲ 0.50% · 4.625%
HK$17,456
+HK$1,001/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$32,910/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,226
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,688
−HK$468/mo
Today · 4.125%
HK$18,156
baseline
▲ 0.50% · 4.625%
HK$19,113
+HK$957/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$36,312/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,064
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,626
−HK$571/mo
Today · 4.125%
HK$19,197
baseline
▲ 0.50% · 4.625%
HK$20,365
+HK$1,168/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,394/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,097
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,636
−HK$546/mo
Today · 4.125%
HK$21,182
baseline
▲ 0.50% · 4.625%
HK$22,299
+HK$1,117/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,364/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,226
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,948
−HK$734/mo
Today · 4.125%
HK$24,682
baseline
▲ 0.50% · 4.625%
HK$26,184
+HK$1,502/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$49,364/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,838
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,531
−HK$703/mo
Today · 4.125%
HK$27,234
baseline
▲ 0.50% · 4.625%
HK$28,670
+HK$1,436/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$54,468/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,320 · 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).