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$12,969
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,373
−HK$410/mo
Today · 4.125%
HK$13,783
baseline
▲ 0.50% · 4.625%
HK$14,621
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,566/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,428
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,815
−HK$393/mo
Today · 4.125%
HK$15,208
baseline
▲ 0.50% · 4.625%
HK$16,009
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,416/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,563
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,047
−HK$492/mo
Today · 4.125%
HK$16,539
baseline
▲ 0.50% · 4.625%
HK$17,546
+HK$1,007/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$33,078/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,314
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,778
−HK$471/mo
Today · 4.125%
HK$18,249
baseline
▲ 0.50% · 4.625%
HK$19,211
+HK$962/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$36,498/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,157
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,722
−HK$574/mo
Today · 4.125%
HK$19,296
baseline
▲ 0.50% · 4.625%
HK$20,470
+HK$1,174/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,592/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,200
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,741
−HK$550/mo
Today · 4.125%
HK$21,291
baseline
▲ 0.50% · 4.625%
HK$22,413
+HK$1,122/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,582/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,345
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,071
−HK$738/mo
Today · 4.125%
HK$24,809
baseline
▲ 0.50% · 4.625%
HK$26,318
+HK$1,509/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,618/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$127,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,971
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,667
−HK$707/mo
Today · 4.125%
HK$27,374
baseline
▲ 0.50% · 4.625%
HK$28,817
+HK$1,443/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,748/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$127,973 · 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).