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$12,890
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,290
−HK$408/mo
Today · 4.125%
HK$13,698
baseline
▲ 0.50% · 4.625%
HK$14,531
+HK$833/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,396/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,339
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,724
−HK$390/mo
Today · 4.125%
HK$15,114
baseline
▲ 0.50% · 4.625%
HK$15,911
+HK$797/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,228/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,467
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,949
−HK$488/mo
Today · 4.125%
HK$16,437
baseline
▲ 0.50% · 4.625%
HK$17,438
+HK$1,001/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,874/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,207
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,669
−HK$468/mo
Today · 4.125%
HK$18,137
baseline
▲ 0.50% · 4.625%
HK$19,093
+HK$956/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,274/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,045
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,607
−HK$570/mo
Today · 4.125%
HK$19,177
baseline
▲ 0.50% · 4.625%
HK$20,344
+HK$1,167/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,354/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,075
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,614
−HK$546/mo
Today · 4.125%
HK$21,160
baseline
▲ 0.50% · 4.625%
HK$22,275
+HK$1,115/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,320/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,201
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,923
−HK$733/mo
Today · 4.125%
HK$24,656
baseline
▲ 0.50% · 4.625%
HK$26,156
+HK$1,500/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$49,312/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,811
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,503
−HK$703/mo
Today · 4.125%
HK$27,206
baseline
▲ 0.50% · 4.625%
HK$28,640
+HK$1,434/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$54,412/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,186 · 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).