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$13,023
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,429
−HK$411/mo
Today · 4.125%
HK$13,840
baseline
▲ 0.50% · 4.625%
HK$14,682
+HK$842/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,680/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,488
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,877
−HK$394/mo
Today · 4.125%
HK$15,271
baseline
▲ 0.50% · 4.625%
HK$16,076
+HK$805/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,542/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,628
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,114
−HK$494/mo
Today · 4.125%
HK$16,608
baseline
▲ 0.50% · 4.625%
HK$17,619
+HK$1,011/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$33,216/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,386
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,852
−HK$473/mo
Today · 4.125%
HK$18,325
baseline
▲ 0.50% · 4.625%
HK$19,291
+HK$966/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$36,650/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,233
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,800
−HK$576/mo
Today · 4.125%
HK$19,376
baseline
▲ 0.50% · 4.625%
HK$20,555
+HK$1,179/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,752/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,284
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,828
−HK$552/mo
Today · 4.125%
HK$21,380
baseline
▲ 0.50% · 4.625%
HK$22,507
+HK$1,127/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,760/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,442
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,171
−HK$741/mo
Today · 4.125%
HK$24,912
baseline
▲ 0.50% · 4.625%
HK$26,428
+HK$1,516/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,824/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,079
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,779
−HK$709/mo
Today · 4.125%
HK$27,488
baseline
▲ 0.50% · 4.625%
HK$28,937
+HK$1,449/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$54,976/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,507 · 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).