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$13,043
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,448
−HK$413/mo
Today · 4.125%
HK$13,861
baseline
▲ 0.50% · 4.625%
HK$14,704
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,722/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,510
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,899
−HK$395/mo
Today · 4.125%
HK$15,294
baseline
▲ 0.50% · 4.625%
HK$16,100
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,588/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,651
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,138
−HK$495/mo
Today · 4.125%
HK$16,633
baseline
▲ 0.50% · 4.625%
HK$17,645
+HK$1,012/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,266/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,412
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,879
−HK$474/mo
Today · 4.125%
HK$18,353
baseline
▲ 0.50% · 4.625%
HK$19,320
+HK$967/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,706/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,260
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,828
−HK$577/mo
Today · 4.125%
HK$19,405
baseline
▲ 0.50% · 4.625%
HK$20,586
+HK$1,181/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$38,810/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,314
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,859
−HK$552/mo
Today · 4.125%
HK$21,411
baseline
▲ 0.50% · 4.625%
HK$22,540
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$42,822/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,477
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,207
−HK$742/mo
Today · 4.125%
HK$24,949
baseline
▲ 0.50% · 4.625%
HK$26,467
+HK$1,518/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,898/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,118
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,818
−HK$711/mo
Today · 4.125%
HK$27,529
baseline
▲ 0.50% · 4.625%
HK$28,980
+HK$1,451/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,058/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,697 · 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).