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$12,952
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,354
−HK$410/mo
Today · 4.125%
HK$13,764
baseline
▲ 0.50% · 4.625%
HK$14,601
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,528/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,409
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,795
−HK$392/mo
Today · 4.125%
HK$15,187
baseline
▲ 0.50% · 4.625%
HK$15,987
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,374/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,542
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,025
−HK$492/mo
Today · 4.125%
HK$16,517
baseline
▲ 0.50% · 4.625%
HK$17,522
+HK$1,005/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,034/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,290
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,754
−HK$470/mo
Today · 4.125%
HK$18,224
baseline
▲ 0.50% · 4.625%
HK$19,185
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,448/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,132
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,696
−HK$573/mo
Today · 4.125%
HK$19,269
baseline
▲ 0.50% · 4.625%
HK$20,442
+HK$1,173/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$38,538/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,172
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,713
−HK$549/mo
Today · 4.125%
HK$21,262
baseline
▲ 0.50% · 4.625%
HK$22,382
+HK$1,120/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$42,524/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,313
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,038
−HK$737/mo
Today · 4.125%
HK$24,775
baseline
▲ 0.50% · 4.625%
HK$26,282
+HK$1,507/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,550/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,935
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,631
−HK$706/mo
Today · 4.125%
HK$27,337
baseline
▲ 0.50% · 4.625%
HK$28,777
+HK$1,440/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,674/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,798 · 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).