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$12,975
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,378
−HK$410/mo
Today · 4.125%
HK$13,788
baseline
▲ 0.50% · 4.625%
HK$14,627
+HK$839/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,576/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,434
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,821
−HK$393/mo
Today · 4.125%
HK$15,214
baseline
▲ 0.50% · 4.625%
HK$16,016
+HK$802/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,428/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,570
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,054
−HK$492/mo
Today · 4.125%
HK$16,546
baseline
▲ 0.50% · 4.625%
HK$17,553
+HK$1,007/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$33,092/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$128,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,321
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,786
−HK$471/mo
Today · 4.125%
HK$18,257
baseline
▲ 0.50% · 4.625%
HK$19,219
+HK$962/mo
Deposit HK$2.28M · loan HK$3.41M · min. income ≈ HK$36,514/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$128,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,165
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,730
−HK$574/mo
Today · 4.125%
HK$19,304
baseline
▲ 0.50% · 4.625%
HK$20,478
+HK$1,174/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,608/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,208
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,750
−HK$550/mo
Today · 4.125%
HK$21,300
baseline
▲ 0.50% · 4.625%
HK$22,423
+HK$1,123/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,600/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,355
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,081
−HK$738/mo
Today · 4.125%
HK$24,819
baseline
▲ 0.50% · 4.625%
HK$26,329
+HK$1,510/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,638/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,982
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,679
−HK$707/mo
Today · 4.125%
HK$27,386
baseline
▲ 0.50% · 4.625%
HK$28,829
+HK$1,443/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,772/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,027 · 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).