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$12,938
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,340
−HK$409/mo
Today · 4.125%
HK$13,749
baseline
▲ 0.50% · 4.625%
HK$14,586
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,498/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,393
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,779
−HK$392/mo
Today · 4.125%
HK$15,171
baseline
▲ 0.50% · 4.625%
HK$15,970
+HK$799/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,342/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,525
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,008
−HK$491/mo
Today · 4.125%
HK$16,499
baseline
▲ 0.50% · 4.625%
HK$17,503
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,998/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,272
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,735
−HK$470/mo
Today · 4.125%
HK$18,205
baseline
▲ 0.50% · 4.625%
HK$19,165
+HK$960/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,410/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,113
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,676
−HK$573/mo
Today · 4.125%
HK$19,249
baseline
▲ 0.50% · 4.625%
HK$20,420
+HK$1,171/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,498/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,150
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,691
−HK$548/mo
Today · 4.125%
HK$21,239
baseline
▲ 0.50% · 4.625%
HK$22,359
+HK$1,120/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,478/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,288
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,012
−HK$736/mo
Today · 4.125%
HK$24,748
baseline
▲ 0.50% · 4.625%
HK$26,254
+HK$1,506/mo
Deposit HK$567K · loan HK$5.11M · min. income ≈ HK$49,496/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,908
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,602
−HK$705/mo
Today · 4.125%
HK$27,307
baseline
▲ 0.50% · 4.625%
HK$28,747
+HK$1,440/mo
Deposit HK$567K · loan HK$5.11M · min. income ≈ HK$54,614/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,661 · 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).