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$13,061
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,468
−HK$412/mo
Today · 4.125%
HK$13,880
baseline
▲ 0.50% · 4.625%
HK$14,725
+HK$845/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,760/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,531
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,920
−HK$396/mo
Today · 4.125%
HK$15,316
baseline
▲ 0.50% · 4.625%
HK$16,123
+HK$807/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,632/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,674
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,161
−HK$495/mo
Today · 4.125%
HK$16,656
baseline
▲ 0.50% · 4.625%
HK$17,670
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,312/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,437
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,904
−HK$475/mo
Today · 4.125%
HK$18,379
baseline
▲ 0.50% · 4.625%
HK$19,347
+HK$968/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,758/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,286
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,855
−HK$577/mo
Today · 4.125%
HK$19,432
baseline
▲ 0.50% · 4.625%
HK$20,615
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,864/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,343
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,888
−HK$554/mo
Today · 4.125%
HK$21,442
baseline
▲ 0.50% · 4.625%
HK$22,572
+HK$1,130/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,884/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,510
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,242
−HK$743/mo
Today · 4.125%
HK$24,985
baseline
▲ 0.50% · 4.625%
HK$26,505
+HK$1,520/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$49,970/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,155
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,856
−HK$712/mo
Today · 4.125%
HK$27,568
baseline
▲ 0.50% · 4.625%
HK$29,021
+HK$1,453/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,136/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,880 · 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).