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$12,917
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,319
−HK$408/mo
Today · 4.125%
HK$13,727
baseline
▲ 0.50% · 4.625%
HK$14,562
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,454/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,370
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,755
−HK$391/mo
Today · 4.125%
HK$15,146
baseline
▲ 0.50% · 4.625%
HK$15,945
+HK$799/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,292/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,500
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,983
−HK$489/mo
Today · 4.125%
HK$16,472
baseline
▲ 0.50% · 4.625%
HK$17,475
+HK$1,003/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,944/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,244
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,707
−HK$469/mo
Today · 4.125%
HK$18,176
baseline
▲ 0.50% · 4.625%
HK$19,134
+HK$958/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,352/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,084
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,646
−HK$572/mo
Today · 4.125%
HK$19,218
baseline
▲ 0.50% · 4.625%
HK$20,387
+HK$1,169/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,436/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,118
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,658
−HK$547/mo
Today · 4.125%
HK$21,205
baseline
▲ 0.50% · 4.625%
HK$22,323
+HK$1,118/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,410/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,251
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,974
−HK$735/mo
Today · 4.125%
HK$24,709
baseline
▲ 0.50% · 4.625%
HK$26,212
+HK$1,503/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$49,418/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,866
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,560
−HK$704/mo
Today · 4.125%
HK$27,264
baseline
▲ 0.50% · 4.625%
HK$28,701
+HK$1,437/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$54,528/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,457 · 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).