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$13,046
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,451
−HK$413/mo
Today · 4.125%
HK$13,864
baseline
▲ 0.50% · 4.625%
HK$14,707
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,728/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,513
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,902
−HK$395/mo
Today · 4.125%
HK$15,297
baseline
▲ 0.50% · 4.625%
HK$16,104
+HK$807/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,594/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,655
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,142
−HK$495/mo
Today · 4.125%
HK$16,637
baseline
▲ 0.50% · 4.625%
HK$17,649
+HK$1,012/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,274/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,416
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,883
−HK$474/mo
Today · 4.125%
HK$18,357
baseline
▲ 0.50% · 4.625%
HK$19,324
+HK$967/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,714/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,264
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,832
−HK$577/mo
Today · 4.125%
HK$19,409
baseline
▲ 0.50% · 4.625%
HK$20,590
+HK$1,181/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$38,818/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,318
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,863
−HK$553/mo
Today · 4.125%
HK$21,416
baseline
▲ 0.50% · 4.625%
HK$22,545
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$42,832/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,482
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,213
−HK$742/mo
Today · 4.125%
HK$24,955
baseline
▲ 0.50% · 4.625%
HK$26,473
+HK$1,518/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,910/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,124
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,824
−HK$711/mo
Today · 4.125%
HK$27,535
baseline
▲ 0.50% · 4.625%
HK$28,987
+HK$1,452/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,070/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,726 · 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).