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$12,922
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,324
−HK$408/mo
Today · 4.125%
HK$13,732
baseline
▲ 0.50% · 4.625%
HK$14,568
+HK$836/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,464/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,376
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,761
−HK$391/mo
Today · 4.125%
HK$15,152
baseline
▲ 0.50% · 4.625%
HK$15,951
+HK$799/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,304/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,506
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,989
−HK$490/mo
Today · 4.125%
HK$16,479
baseline
▲ 0.50% · 4.625%
HK$17,481
+HK$1,002/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,958/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,251
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,713
−HK$470/mo
Today · 4.125%
HK$18,183
baseline
▲ 0.50% · 4.625%
HK$19,141
+HK$958/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,366/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,091
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,653
−HK$572/mo
Today · 4.125%
HK$19,225
baseline
▲ 0.50% · 4.625%
HK$20,395
+HK$1,170/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,450/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,126
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,665
−HK$548/mo
Today · 4.125%
HK$21,213
baseline
▲ 0.50% · 4.625%
HK$22,331
+HK$1,118/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,426/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,259
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,983
−HK$735/mo
Today · 4.125%
HK$24,718
baseline
▲ 0.50% · 4.625%
HK$26,222
+HK$1,504/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,436/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,876
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,570
−HK$704/mo
Today · 4.125%
HK$27,274
baseline
▲ 0.50% · 4.625%
HK$28,712
+HK$1,438/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,548/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,505 · 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).