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$12,942
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,345
−HK$409/mo
Today · 4.125%
HK$13,754
baseline
▲ 0.50% · 4.625%
HK$14,590
+HK$836/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,508/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,398
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,784
−HK$392/mo
Today · 4.125%
HK$15,176
baseline
▲ 0.50% · 4.625%
HK$15,976
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,352/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,530
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,013
−HK$491/mo
Today · 4.125%
HK$16,504
baseline
▲ 0.50% · 4.625%
HK$17,509
+HK$1,005/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,008/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,277
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,741
−HK$470/mo
Today · 4.125%
HK$18,211
baseline
▲ 0.50% · 4.625%
HK$19,171
+HK$960/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,422/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,119
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,682
−HK$573/mo
Today · 4.125%
HK$19,255
baseline
▲ 0.50% · 4.625%
HK$20,427
+HK$1,172/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,510/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,157
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,698
−HK$548/mo
Today · 4.125%
HK$21,246
baseline
▲ 0.50% · 4.625%
HK$22,366
+HK$1,120/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,492/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,296
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,020
−HK$736/mo
Today · 4.125%
HK$24,756
baseline
▲ 0.50% · 4.625%
HK$26,263
+HK$1,507/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,512/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,916
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,611
−HK$705/mo
Today · 4.125%
HK$27,316
baseline
▲ 0.50% · 4.625%
HK$28,756
+HK$1,440/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,632/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,703 · 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).