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$12,950
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,353
−HK$409/mo
Today · 4.125%
HK$13,762
baseline
▲ 0.50% · 4.625%
HK$14,599
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,524/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,407
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,793
−HK$392/mo
Today · 4.125%
HK$15,185
baseline
▲ 0.50% · 4.625%
HK$15,986
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,370/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,540
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,023
−HK$492/mo
Today · 4.125%
HK$16,515
baseline
▲ 0.50% · 4.625%
HK$17,519
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,030/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,288
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,752
−HK$470/mo
Today · 4.125%
HK$18,222
baseline
▲ 0.50% · 4.625%
HK$19,183
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,444/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,130
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,694
−HK$573/mo
Today · 4.125%
HK$19,267
baseline
▲ 0.50% · 4.625%
HK$20,439
+HK$1,172/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$38,534/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,169
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,710
−HK$549/mo
Today · 4.125%
HK$21,259
baseline
▲ 0.50% · 4.625%
HK$22,380
+HK$1,121/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$42,518/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,310
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,035
−HK$737/mo
Today · 4.125%
HK$24,772
baseline
▲ 0.50% · 4.625%
HK$26,279
+HK$1,507/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,544/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,932
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,628
−HK$705/mo
Today · 4.125%
HK$27,333
baseline
▲ 0.50% · 4.625%
HK$28,774
+HK$1,441/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,666/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,782 · 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).