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$12,928
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,330
−HK$409/mo
Today · 4.125%
HK$13,739
baseline
▲ 0.50% · 4.625%
HK$14,575
+HK$836/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,478/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,382
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,768
−HK$391/mo
Today · 4.125%
HK$15,159
baseline
▲ 0.50% · 4.625%
HK$15,958
+HK$799/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,318/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,514
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,996
−HK$490/mo
Today · 4.125%
HK$16,486
baseline
▲ 0.50% · 4.625%
HK$17,490
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,972/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,259
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,722
−HK$469/mo
Today · 4.125%
HK$18,191
baseline
▲ 0.50% · 4.625%
HK$19,150
+HK$959/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,382/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,099
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,662
−HK$572/mo
Today · 4.125%
HK$19,234
baseline
▲ 0.50% · 4.625%
HK$20,405
+HK$1,171/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,468/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,135
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,675
−HK$548/mo
Today · 4.125%
HK$21,223
baseline
▲ 0.50% · 4.625%
HK$22,342
+HK$1,119/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,446/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,270
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$23,994
−HK$736/mo
Today · 4.125%
HK$24,730
baseline
▲ 0.50% · 4.625%
HK$26,234
+HK$1,504/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,460/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,888
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,582
−HK$705/mo
Today · 4.125%
HK$27,287
baseline
▲ 0.50% · 4.625%
HK$28,725
+HK$1,438/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,574/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,565 · 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).