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$12,939
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,341
−HK$409/mo
Today · 4.125%
HK$13,750
baseline
▲ 0.50% · 4.625%
HK$14,587
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,500/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,394
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,780
−HK$392/mo
Today · 4.125%
HK$15,172
baseline
▲ 0.50% · 4.625%
HK$15,972
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,344/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,526
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,009
−HK$491/mo
Today · 4.125%
HK$16,500
baseline
▲ 0.50% · 4.625%
HK$17,504
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$33,000/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,273
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,736
−HK$470/mo
Today · 4.125%
HK$18,206
baseline
▲ 0.50% · 4.625%
HK$19,166
+HK$960/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,412/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,114
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,678
−HK$572/mo
Today · 4.125%
HK$19,250
baseline
▲ 0.50% · 4.625%
HK$20,421
+HK$1,171/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,500/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,152
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,692
−HK$549/mo
Today · 4.125%
HK$21,241
baseline
▲ 0.50% · 4.625%
HK$22,360
+HK$1,119/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,482/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,290
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,014
−HK$736/mo
Today · 4.125%
HK$24,750
baseline
▲ 0.50% · 4.625%
HK$26,256
+HK$1,506/mo
Deposit HK$567K · loan HK$5.11M · min. income ≈ HK$49,500/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,909
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,604
−HK$705/mo
Today · 4.125%
HK$27,309
baseline
▲ 0.50% · 4.625%
HK$28,749
+HK$1,440/mo
Deposit HK$567K · loan HK$5.11M · min. income ≈ HK$54,618/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,670 · 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).