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$13,027
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,432
−HK$412/mo
Today · 4.125%
HK$13,844
baseline
▲ 0.50% · 4.625%
HK$14,687
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,688/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,493
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,881
−HK$395/mo
Today · 4.125%
HK$15,276
baseline
▲ 0.50% · 4.625%
HK$16,081
+HK$805/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,552/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,633
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,119
−HK$494/mo
Today · 4.125%
HK$16,613
baseline
▲ 0.50% · 4.625%
HK$17,624
+HK$1,011/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,226/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,391
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,858
−HK$473/mo
Today · 4.125%
HK$18,331
baseline
▲ 0.50% · 4.625%
HK$19,297
+HK$966/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,662/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,238
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,805
−HK$577/mo
Today · 4.125%
HK$19,382
baseline
▲ 0.50% · 4.625%
HK$20,561
+HK$1,179/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,764/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,290
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,834
−HK$552/mo
Today · 4.125%
HK$21,386
baseline
▲ 0.50% · 4.625%
HK$22,513
+HK$1,127/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,772/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,449
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,178
−HK$741/mo
Today · 4.125%
HK$24,919
baseline
▲ 0.50% · 4.625%
HK$26,436
+HK$1,517/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,838/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,087
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,786
−HK$710/mo
Today · 4.125%
HK$27,496
baseline
▲ 0.50% · 4.625%
HK$28,946
+HK$1,450/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$54,992/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,544 · 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).