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$13,019
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,424
−HK$412/mo
Today · 4.125%
HK$13,836
baseline
▲ 0.50% · 4.625%
HK$14,677
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,672/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,484
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,872
−HK$394/mo
Today · 4.125%
HK$15,266
baseline
▲ 0.50% · 4.625%
HK$16,071
+HK$805/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,532/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,623
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,109
−HK$494/mo
Today · 4.125%
HK$16,603
baseline
▲ 0.50% · 4.625%
HK$17,613
+HK$1,010/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$33,206/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,380
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,846
−HK$473/mo
Today · 4.125%
HK$18,319
baseline
▲ 0.50% · 4.625%
HK$19,285
+HK$966/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$36,638/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,227
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,794
−HK$576/mo
Today · 4.125%
HK$19,370
baseline
▲ 0.50% · 4.625%
HK$20,548
+HK$1,178/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,740/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,277
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,821
−HK$552/mo
Today · 4.125%
HK$21,373
baseline
▲ 0.50% · 4.625%
HK$22,499
+HK$1,126/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,746/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,434
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,163
−HK$741/mo
Today · 4.125%
HK$24,904
baseline
▲ 0.50% · 4.625%
HK$26,419
+HK$1,515/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,808/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,071
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,770
−HK$709/mo
Today · 4.125%
HK$27,479
baseline
▲ 0.50% · 4.625%
HK$28,927
+HK$1,448/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$54,958/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,464 · 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).