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$128,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,523
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,913
−HK$395/mo
Today · 4.125%
HK$15,308
baseline
▲ 0.50% · 4.625%
HK$16,115
+HK$807/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,616/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,666
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,153
−HK$495/mo
Today · 4.125%
HK$16,648
baseline
▲ 0.50% · 4.625%
HK$17,661
+HK$1,013/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,296/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,428
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,895
−HK$475/mo
Today · 4.125%
HK$18,370
baseline
▲ 0.50% · 4.625%
HK$19,338
+HK$968/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$128,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,277
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,845
−HK$578/mo
Today · 4.125%
HK$19,423
baseline
▲ 0.50% · 4.625%
HK$20,605
+HK$1,182/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,846/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,333
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,878
−HK$553/mo
Today · 4.125%
HK$21,431
baseline
▲ 0.50% · 4.625%
HK$22,561
+HK$1,130/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,862/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,499
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,230
−HK$742/mo
Today · 4.125%
HK$24,972
baseline
▲ 0.50% · 4.625%
HK$26,492
+HK$1,520/mo
Deposit HK$573K · loan HK$5.15M · min. income ≈ HK$49,944/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,142
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,843
−HK$711/mo
Today · 4.125%
HK$27,554
baseline
▲ 0.50% · 4.625%
HK$29,007
+HK$1,453/mo
Deposit HK$573K · loan HK$5.15M · min. income ≈ HK$55,108/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,817 · 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).