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$12,934
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,336
−HK$409/mo
Today · 4.125%
HK$13,745
baseline
▲ 0.50% · 4.625%
HK$14,582
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,490/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,389
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,775
−HK$391/mo
Today · 4.125%
HK$15,166
baseline
▲ 0.50% · 4.625%
HK$15,966
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,332/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,521
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,004
−HK$490/mo
Today · 4.125%
HK$16,494
baseline
▲ 0.50% · 4.625%
HK$17,498
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,988/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,267
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,730
−HK$470/mo
Today · 4.125%
HK$18,200
baseline
▲ 0.50% · 4.625%
HK$19,159
+HK$959/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,400/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,108
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,671
−HK$572/mo
Today · 4.125%
HK$19,243
baseline
▲ 0.50% · 4.625%
HK$20,414
+HK$1,171/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,486/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,145
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,685
−HK$548/mo
Today · 4.125%
HK$21,233
baseline
▲ 0.50% · 4.625%
HK$22,352
+HK$1,119/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,466/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,281
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,006
−HK$735/mo
Today · 4.125%
HK$24,741
baseline
▲ 0.50% · 4.625%
HK$26,247
+HK$1,506/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,482/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,900
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,595
−HK$705/mo
Today · 4.125%
HK$27,300
baseline
▲ 0.50% · 4.625%
HK$28,739
+HK$1,439/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,600/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,625 · 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).