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$12,937
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,339
−HK$409/mo
Today · 4.125%
HK$13,748
baseline
▲ 0.50% · 4.625%
HK$14,585
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,496/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,392
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,778
−HK$392/mo
Today · 4.125%
HK$15,170
baseline
▲ 0.50% · 4.625%
HK$15,970
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,340/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,524
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,007
−HK$491/mo
Today · 4.125%
HK$16,498
baseline
▲ 0.50% · 4.625%
HK$17,502
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,996/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,271
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,734
−HK$470/mo
Today · 4.125%
HK$18,204
baseline
▲ 0.50% · 4.625%
HK$19,163
+HK$959/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,408/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,112
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,675
−HK$573/mo
Today · 4.125%
HK$19,248
baseline
▲ 0.50% · 4.625%
HK$20,419
+HK$1,171/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,496/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,149
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,690
−HK$548/mo
Today · 4.125%
HK$21,238
baseline
▲ 0.50% · 4.625%
HK$22,357
+HK$1,119/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,476/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,287
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,011
−HK$736/mo
Today · 4.125%
HK$24,747
baseline
▲ 0.50% · 4.625%
HK$26,253
+HK$1,506/mo
Deposit HK$567K · loan HK$5.11M · min. income ≈ HK$49,494/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,906
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,601
−HK$705/mo
Today · 4.125%
HK$27,306
baseline
▲ 0.50% · 4.625%
HK$28,745
+HK$1,439/mo
Deposit HK$567K · loan HK$5.11M · min. income ≈ HK$54,612/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,655 · 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).