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$12,915
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,317
−HK$408/mo
Today · 4.125%
HK$13,725
baseline
▲ 0.50% · 4.625%
HK$14,560
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,450/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,368
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,753
−HK$391/mo
Today · 4.125%
HK$15,144
baseline
▲ 0.50% · 4.625%
HK$15,943
+HK$799/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,288/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,498
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,980
−HK$490/mo
Today · 4.125%
HK$16,470
baseline
▲ 0.50% · 4.625%
HK$17,472
+HK$1,002/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,940/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,242
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,704
−HK$469/mo
Today · 4.125%
HK$18,173
baseline
▲ 0.50% · 4.625%
HK$19,131
+HK$958/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,346/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,081
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,644
−HK$571/mo
Today · 4.125%
HK$19,215
baseline
▲ 0.50% · 4.625%
HK$20,384
+HK$1,169/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,430/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,115
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,655
−HK$547/mo
Today · 4.125%
HK$21,202
baseline
▲ 0.50% · 4.625%
HK$22,320
+HK$1,118/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,404/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,247
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,971
−HK$734/mo
Today · 4.125%
HK$24,705
baseline
▲ 0.50% · 4.625%
HK$26,209
+HK$1,504/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$49,410/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,863
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,556
−HK$704/mo
Today · 4.125%
HK$27,260
baseline
▲ 0.50% · 4.625%
HK$28,697
+HK$1,437/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$54,520/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,439 · 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).