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$12,924
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,326
−HK$408/mo
Today · 4.125%
HK$13,734
baseline
▲ 0.50% · 4.625%
HK$14,570
+HK$836/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,468/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,378
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,763
−HK$392/mo
Today · 4.125%
HK$15,155
baseline
▲ 0.50% · 4.625%
HK$15,953
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,310/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,509
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,991
−HK$490/mo
Today · 4.125%
HK$16,481
baseline
▲ 0.50% · 4.625%
HK$17,484
+HK$1,003/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,962/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,253
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,716
−HK$469/mo
Today · 4.125%
HK$18,185
baseline
▲ 0.50% · 4.625%
HK$19,144
+HK$959/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,370/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,094
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,656
−HK$572/mo
Today · 4.125%
HK$19,228
baseline
▲ 0.50% · 4.625%
HK$20,398
+HK$1,170/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,456/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,129
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,669
−HK$547/mo
Today · 4.125%
HK$21,216
baseline
▲ 0.50% · 4.625%
HK$22,335
+HK$1,119/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,432/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,263
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,987
−HK$735/mo
Today · 4.125%
HK$24,722
baseline
▲ 0.50% · 4.625%
HK$26,226
+HK$1,504/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,444/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,880
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,574
−HK$704/mo
Today · 4.125%
HK$27,278
baseline
▲ 0.50% · 4.625%
HK$28,716
+HK$1,438/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,556/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,525 · 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).