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$13,036
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,442
−HK$412/mo
Today · 4.125%
HK$13,854
baseline
▲ 0.50% · 4.625%
HK$14,697
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,708/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,503
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,892
−HK$394/mo
Today · 4.125%
HK$15,286
baseline
▲ 0.50% · 4.625%
HK$16,092
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,572/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,644
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,130
−HK$495/mo
Today · 4.125%
HK$16,625
baseline
▲ 0.50% · 4.625%
HK$17,636
+HK$1,011/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,250/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,403
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,870
−HK$474/mo
Today · 4.125%
HK$18,344
baseline
▲ 0.50% · 4.625%
HK$19,311
+HK$967/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,688/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,251
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,819
−HK$576/mo
Today · 4.125%
HK$19,395
baseline
▲ 0.50% · 4.625%
HK$20,576
+HK$1,181/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$38,790/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,304
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,849
−HK$552/mo
Today · 4.125%
HK$21,401
baseline
▲ 0.50% · 4.625%
HK$22,529
+HK$1,128/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$42,802/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,466
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,195
−HK$742/mo
Today · 4.125%
HK$24,937
baseline
▲ 0.50% · 4.625%
HK$26,454
+HK$1,517/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,874/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,105
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,805
−HK$711/mo
Today · 4.125%
HK$27,516
baseline
▲ 0.50% · 4.625%
HK$28,966
+HK$1,450/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,032/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,635 · 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).