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$12,900
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,302
−HK$407/mo
Today · 4.125%
HK$13,709
baseline
▲ 0.50% · 4.625%
HK$14,544
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,418/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,352
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,736
−HK$391/mo
Today · 4.125%
HK$15,127
baseline
▲ 0.50% · 4.625%
HK$15,924
+HK$797/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,254/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,480
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,962
−HK$489/mo
Today · 4.125%
HK$16,451
baseline
▲ 0.50% · 4.625%
HK$17,452
+HK$1,001/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,902/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,222
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,684
−HK$468/mo
Today · 4.125%
HK$18,152
baseline
▲ 0.50% · 4.625%
HK$19,109
+HK$957/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,304/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,061
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,622
−HK$571/mo
Today · 4.125%
HK$19,193
baseline
▲ 0.50% · 4.625%
HK$20,361
+HK$1,168/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,386/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,092
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,631
−HK$547/mo
Today · 4.125%
HK$21,178
baseline
▲ 0.50% · 4.625%
HK$22,294
+HK$1,116/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,356/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,221
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,943
−HK$734/mo
Today · 4.125%
HK$24,677
baseline
▲ 0.50% · 4.625%
HK$26,178
+HK$1,501/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$49,354/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,833
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,526
−HK$702/mo
Today · 4.125%
HK$27,228
baseline
▲ 0.50% · 4.625%
HK$28,664
+HK$1,436/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$54,456/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,293 · 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).