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$12,972
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,376
−HK$410/mo
Today · 4.125%
HK$13,786
baseline
▲ 0.50% · 4.625%
HK$14,625
+HK$839/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,572/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,432
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,819
−HK$392/mo
Today · 4.125%
HK$15,211
baseline
▲ 0.50% · 4.625%
HK$16,013
+HK$802/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,422/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,567
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,051
−HK$492/mo
Today · 4.125%
HK$16,543
baseline
▲ 0.50% · 4.625%
HK$17,549
+HK$1,006/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$33,086/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$128,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,318
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,782
−HK$471/mo
Today · 4.125%
HK$18,253
baseline
▲ 0.50% · 4.625%
HK$19,216
+HK$963/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$36,506/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$128,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,161
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,726
−HK$574/mo
Today · 4.125%
HK$19,300
baseline
▲ 0.50% · 4.625%
HK$20,474
+HK$1,174/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,600/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$128,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,204
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,746
−HK$550/mo
Today · 4.125%
HK$21,296
baseline
▲ 0.50% · 4.625%
HK$22,418
+HK$1,122/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,592/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$128,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,350
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,076
−HK$738/mo
Today · 4.125%
HK$24,814
baseline
▲ 0.50% · 4.625%
HK$26,324
+HK$1,510/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,628/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,977
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,673
−HK$707/mo
Today · 4.125%
HK$27,380
baseline
▲ 0.50% · 4.625%
HK$28,823
+HK$1,443/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,760/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,002 · 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).