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$13,042
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,448
−HK$412/mo
Today · 4.125%
HK$13,860
baseline
▲ 0.50% · 4.625%
HK$14,703
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,720/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,509
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,898
−HK$395/mo
Today · 4.125%
HK$15,293
baseline
▲ 0.50% · 4.625%
HK$16,099
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,586/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,651
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,137
−HK$495/mo
Today · 4.125%
HK$16,632
baseline
▲ 0.50% · 4.625%
HK$17,644
+HK$1,012/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,264/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,411
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,878
−HK$474/mo
Today · 4.125%
HK$18,352
baseline
▲ 0.50% · 4.625%
HK$19,319
+HK$967/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,704/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,259
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,827
−HK$577/mo
Today · 4.125%
HK$19,404
baseline
▲ 0.50% · 4.625%
HK$20,585
+HK$1,181/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$38,808/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,313
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,858
−HK$553/mo
Today · 4.125%
HK$21,411
baseline
▲ 0.50% · 4.625%
HK$22,539
+HK$1,128/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$128,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,476
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,206
−HK$742/mo
Today · 4.125%
HK$24,948
baseline
▲ 0.50% · 4.625%
HK$26,466
+HK$1,518/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,896/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,117
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,817
−HK$711/mo
Today · 4.125%
HK$27,528
baseline
▲ 0.50% · 4.625%
HK$28,979
+HK$1,451/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,056/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,692 · 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).