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$12,892
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,293
−HK$407/mo
Today · 4.125%
HK$13,700
baseline
▲ 0.50% · 4.625%
HK$14,534
+HK$834/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,400/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,342
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,727
−HK$390/mo
Today · 4.125%
HK$15,117
baseline
▲ 0.50% · 4.625%
HK$15,914
+HK$797/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,234/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,470
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,951
−HK$489/mo
Today · 4.125%
HK$16,440
baseline
▲ 0.50% · 4.625%
HK$17,441
+HK$1,001/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,880/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,211
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,672
−HK$468/mo
Today · 4.125%
HK$18,140
baseline
▲ 0.50% · 4.625%
HK$19,097
+HK$957/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,280/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,049
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,610
−HK$570/mo
Today · 4.125%
HK$19,180
baseline
▲ 0.50% · 4.625%
HK$20,348
+HK$1,168/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,360/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,079
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,617
−HK$547/mo
Today · 4.125%
HK$21,164
baseline
▲ 0.50% · 4.625%
HK$22,279
+HK$1,115/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,328/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,205
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,927
−HK$734/mo
Today · 4.125%
HK$24,661
baseline
▲ 0.50% · 4.625%
HK$26,161
+HK$1,500/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$49,322/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,816
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,508
−HK$703/mo
Today · 4.125%
HK$27,211
baseline
▲ 0.50% · 4.625%
HK$28,645
+HK$1,434/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$54,422/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,209 · 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).