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$12,926
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,328
−HK$409/mo
Today · 4.125%
HK$13,737
baseline
▲ 0.50% · 4.625%
HK$14,573
+HK$836/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,474/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,380
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,766
−HK$391/mo
Today · 4.125%
HK$15,157
baseline
▲ 0.50% · 4.625%
HK$15,956
+HK$799/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,314/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,512
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,994
−HK$490/mo
Today · 4.125%
HK$16,484
baseline
▲ 0.50% · 4.625%
HK$17,487
+HK$1,003/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,968/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,256
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,719
−HK$470/mo
Today · 4.125%
HK$18,189
baseline
▲ 0.50% · 4.625%
HK$19,148
+HK$959/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,378/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,097
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,660
−HK$572/mo
Today · 4.125%
HK$19,232
baseline
▲ 0.50% · 4.625%
HK$20,402
+HK$1,170/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,464/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,133
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,673
−HK$547/mo
Today · 4.125%
HK$21,220
baseline
▲ 0.50% · 4.625%
HK$22,339
+HK$1,119/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,440/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,267
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,991
−HK$735/mo
Today · 4.125%
HK$24,726
baseline
▲ 0.50% · 4.625%
HK$26,231
+HK$1,505/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,452/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,885
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,579
−HK$704/mo
Today · 4.125%
HK$27,283
baseline
▲ 0.50% · 4.625%
HK$28,721
+HK$1,438/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,566/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,549 · 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).