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$12,939
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,342
−HK$409/mo
Today · 4.125%
HK$13,751
baseline
▲ 0.50% · 4.625%
HK$14,587
+HK$836/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,502/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,395
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,781
−HK$391/mo
Today · 4.125%
HK$15,172
baseline
▲ 0.50% · 4.625%
HK$15,972
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,344/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,527
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,010
−HK$491/mo
Today · 4.125%
HK$16,501
baseline
▲ 0.50% · 4.625%
HK$17,505
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$33,002/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,274
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,737
−HK$470/mo
Today · 4.125%
HK$18,207
baseline
▲ 0.50% · 4.625%
HK$19,167
+HK$960/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,414/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,115
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,678
−HK$573/mo
Today · 4.125%
HK$19,251
baseline
▲ 0.50% · 4.625%
HK$20,422
+HK$1,171/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,502/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,153
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,693
−HK$548/mo
Today · 4.125%
HK$21,241
baseline
▲ 0.50% · 4.625%
HK$22,361
+HK$1,120/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,482/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,291
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,015
−HK$736/mo
Today · 4.125%
HK$24,751
baseline
▲ 0.50% · 4.625%
HK$26,257
+HK$1,506/mo
Deposit HK$567K · loan HK$5.11M · min. income ≈ HK$49,502/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,911
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,605
−HK$705/mo
Today · 4.125%
HK$27,310
baseline
▲ 0.50% · 4.625%
HK$28,750
+HK$1,440/mo
Deposit HK$567K · loan HK$5.11M · min. income ≈ HK$54,620/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,676 · 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).