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$12,936
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,338
−HK$409/mo
Today · 4.125%
HK$13,747
baseline
▲ 0.50% · 4.625%
HK$14,584
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,494/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,391
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,777
−HK$392/mo
Today · 4.125%
HK$15,169
baseline
▲ 0.50% · 4.625%
HK$15,968
+HK$799/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,338/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,523
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,006
−HK$491/mo
Today · 4.125%
HK$16,497
baseline
▲ 0.50% · 4.625%
HK$17,500
+HK$1,003/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,994/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,269
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,732
−HK$470/mo
Today · 4.125%
HK$18,202
baseline
▲ 0.50% · 4.625%
HK$19,162
+HK$960/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,404/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,110
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,674
−HK$572/mo
Today · 4.125%
HK$19,246
baseline
▲ 0.50% · 4.625%
HK$20,417
+HK$1,171/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,492/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,148
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,688
−HK$548/mo
Today · 4.125%
HK$21,236
baseline
▲ 0.50% · 4.625%
HK$22,355
+HK$1,119/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,472/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,285
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,009
−HK$736/mo
Today · 4.125%
HK$24,745
baseline
▲ 0.50% · 4.625%
HK$26,251
+HK$1,506/mo
Deposit HK$567K · loan HK$5.11M · min. income ≈ HK$49,490/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,904
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,599
−HK$705/mo
Today · 4.125%
HK$27,304
baseline
▲ 0.50% · 4.625%
HK$28,743
+HK$1,439/mo
Deposit HK$567K · loan HK$5.11M · min. income ≈ HK$54,608/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,644 · 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).