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$12,914
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,315
−HK$409/mo
Today · 4.125%
HK$13,724
baseline
▲ 0.50% · 4.625%
HK$14,559
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,448/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,366
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,752
−HK$391/mo
Today · 4.125%
HK$15,143
baseline
▲ 0.50% · 4.625%
HK$15,941
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,286/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,497
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,979
−HK$489/mo
Today · 4.125%
HK$16,468
baseline
▲ 0.50% · 4.625%
HK$17,470
+HK$1,002/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,936/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,240
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,702
−HK$469/mo
Today · 4.125%
HK$18,171
baseline
▲ 0.50% · 4.625%
HK$19,129
+HK$958/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,342/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,079
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,642
−HK$571/mo
Today · 4.125%
HK$19,213
baseline
▲ 0.50% · 4.625%
HK$20,382
+HK$1,169/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,426/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,113
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,652
−HK$548/mo
Today · 4.125%
HK$21,200
baseline
▲ 0.50% · 4.625%
HK$22,317
+HK$1,117/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,400/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,245
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,968
−HK$734/mo
Today · 4.125%
HK$24,702
baseline
▲ 0.50% · 4.625%
HK$26,206
+HK$1,504/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$49,404/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,860
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,553
−HK$704/mo
Today · 4.125%
HK$27,257
baseline
▲ 0.50% · 4.625%
HK$28,693
+HK$1,436/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$54,514/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,425 · 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).