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$13,023
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,428
−HK$412/mo
Today · 4.125%
HK$13,840
baseline
▲ 0.50% · 4.625%
HK$14,682
+HK$842/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,680/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,488
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,876
−HK$395/mo
Today · 4.125%
HK$15,271
baseline
▲ 0.50% · 4.625%
HK$16,075
+HK$804/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,542/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,627
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,114
−HK$493/mo
Today · 4.125%
HK$16,607
baseline
▲ 0.50% · 4.625%
HK$17,618
+HK$1,011/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$33,214/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,385
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,852
−HK$473/mo
Today · 4.125%
HK$18,325
baseline
▲ 0.50% · 4.625%
HK$19,291
+HK$966/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$36,650/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,232
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,799
−HK$576/mo
Today · 4.125%
HK$19,375
baseline
▲ 0.50% · 4.625%
HK$20,554
+HK$1,179/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,750/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,283
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,827
−HK$552/mo
Today · 4.125%
HK$21,379
baseline
▲ 0.50% · 4.625%
HK$22,506
+HK$1,127/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,758/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,441
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,170
−HK$741/mo
Today · 4.125%
HK$24,911
baseline
▲ 0.50% · 4.625%
HK$26,427
+HK$1,516/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,822/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,078
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,777
−HK$710/mo
Today · 4.125%
HK$27,487
baseline
▲ 0.50% · 4.625%
HK$28,936
+HK$1,449/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$54,974/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,501 · 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).