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$12,886
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,287
−HK$407/mo
Today · 4.125%
HK$13,694
baseline
▲ 0.50% · 4.625%
HK$14,527
+HK$833/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,388/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,335
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,720
−HK$390/mo
Today · 4.125%
HK$15,110
baseline
▲ 0.50% · 4.625%
HK$15,906
+HK$796/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,220/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,463
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,944
−HK$489/mo
Today · 4.125%
HK$16,433
baseline
▲ 0.50% · 4.625%
HK$17,433
+HK$1,000/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,866/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,203
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,664
−HK$468/mo
Today · 4.125%
HK$18,132
baseline
▲ 0.50% · 4.625%
HK$19,088
+HK$956/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,264/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,040
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,601
−HK$571/mo
Today · 4.125%
HK$19,172
baseline
▲ 0.50% · 4.625%
HK$20,338
+HK$1,166/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,344/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,070
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,608
−HK$546/mo
Today · 4.125%
HK$21,154
baseline
▲ 0.50% · 4.625%
HK$22,269
+HK$1,115/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,308/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,195
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,916
−HK$733/mo
Today · 4.125%
HK$24,649
baseline
▲ 0.50% · 4.625%
HK$26,149
+HK$1,500/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$49,298/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,804
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,496
−HK$702/mo
Today · 4.125%
HK$27,198
baseline
▲ 0.50% · 4.625%
HK$28,632
+HK$1,434/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$54,396/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,150 · 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).