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$13,058
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,464
−HK$413/mo
Today · 4.125%
HK$13,877
baseline
▲ 0.50% · 4.625%
HK$14,721
+HK$844/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,754/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,527
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,917
−HK$395/mo
Today · 4.125%
HK$15,312
baseline
▲ 0.50% · 4.625%
HK$16,119
+HK$807/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,624/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,670
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,157
−HK$495/mo
Today · 4.125%
HK$16,652
baseline
▲ 0.50% · 4.625%
HK$17,666
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,304/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,432
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,900
−HK$474/mo
Today · 4.125%
HK$18,374
baseline
▲ 0.50% · 4.625%
HK$19,343
+HK$969/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,748/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,281
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,850
−HK$578/mo
Today · 4.125%
HK$19,428
baseline
▲ 0.50% · 4.625%
HK$20,610
+HK$1,182/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,856/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,338
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,883
−HK$554/mo
Today · 4.125%
HK$21,437
baseline
▲ 0.50% · 4.625%
HK$22,566
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,874/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,504
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,236
−HK$742/mo
Today · 4.125%
HK$24,978
baseline
▲ 0.50% · 4.625%
HK$26,498
+HK$1,520/mo
Deposit HK$573K · loan HK$5.15M · min. income ≈ HK$49,956/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,149
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,850
−HK$711/mo
Today · 4.125%
HK$27,561
baseline
▲ 0.50% · 4.625%
HK$29,014
+HK$1,453/mo
Deposit HK$573K · loan HK$5.15M · min. income ≈ HK$55,122/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,848 · 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).