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$13,055
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,461
−HK$413/mo
Today · 4.125%
HK$13,874
baseline
▲ 0.50% · 4.625%
HK$14,718
+HK$844/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,748/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,524
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,914
−HK$395/mo
Today · 4.125%
HK$15,309
baseline
▲ 0.50% · 4.625%
HK$16,116
+HK$807/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,618/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,666
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,154
−HK$495/mo
Today · 4.125%
HK$16,649
baseline
▲ 0.50% · 4.625%
HK$17,662
+HK$1,013/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,298/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,429
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,896
−HK$474/mo
Today · 4.125%
HK$18,370
baseline
▲ 0.50% · 4.625%
HK$19,339
+HK$969/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,740/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,278
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,846
−HK$578/mo
Today · 4.125%
HK$19,424
baseline
▲ 0.50% · 4.625%
HK$20,606
+HK$1,182/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,848/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,334
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,879
−HK$553/mo
Today · 4.125%
HK$21,432
baseline
▲ 0.50% · 4.625%
HK$22,562
+HK$1,130/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,864/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,500
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,231
−HK$742/mo
Today · 4.125%
HK$24,973
baseline
▲ 0.50% · 4.625%
HK$26,493
+HK$1,520/mo
Deposit HK$573K · loan HK$5.15M · min. income ≈ HK$49,946/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,143
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,844
−HK$712/mo
Today · 4.125%
HK$27,556
baseline
▲ 0.50% · 4.625%
HK$29,008
+HK$1,452/mo
Deposit HK$573K · loan HK$5.15M · min. income ≈ HK$55,112/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,822 · 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).