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$12,933
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,336
−HK$408/mo
Today · 4.125%
HK$13,744
baseline
▲ 0.50% · 4.625%
HK$14,581
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,488/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,388
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,774
−HK$392/mo
Today · 4.125%
HK$15,166
baseline
▲ 0.50% · 4.625%
HK$15,965
+HK$799/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$127,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,520
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,003
−HK$490/mo
Today · 4.125%
HK$16,493
baseline
▲ 0.50% · 4.625%
HK$17,497
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,986/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,266
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,729
−HK$470/mo
Today · 4.125%
HK$18,199
baseline
▲ 0.50% · 4.625%
HK$19,158
+HK$959/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,398/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,107
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,670
−HK$572/mo
Today · 4.125%
HK$19,242
baseline
▲ 0.50% · 4.625%
HK$20,413
+HK$1,171/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,484/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,144
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,684
−HK$548/mo
Today · 4.125%
HK$21,232
baseline
▲ 0.50% · 4.625%
HK$22,351
+HK$1,119/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,464/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,280
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,004
−HK$736/mo
Today · 4.125%
HK$24,740
baseline
▲ 0.50% · 4.625%
HK$26,245
+HK$1,505/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,480/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,899
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,594
−HK$704/mo
Today · 4.125%
HK$27,298
baseline
▲ 0.50% · 4.625%
HK$28,737
+HK$1,439/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,596/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,619 · 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).