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$12,947
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,350
−HK$409/mo
Today · 4.125%
HK$13,759
baseline
▲ 0.50% · 4.625%
HK$14,596
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,518/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,403
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,790
−HK$391/mo
Today · 4.125%
HK$15,181
baseline
▲ 0.50% · 4.625%
HK$15,982
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,362/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,536
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,019
−HK$491/mo
Today · 4.125%
HK$16,510
baseline
▲ 0.50% · 4.625%
HK$17,515
+HK$1,005/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,020/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,284
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,747
−HK$471/mo
Today · 4.125%
HK$18,218
baseline
▲ 0.50% · 4.625%
HK$19,178
+HK$960/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,436/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,126
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,689
−HK$573/mo
Today · 4.125%
HK$19,262
baseline
▲ 0.50% · 4.625%
HK$20,434
+HK$1,172/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,524/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,165
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,705
−HK$549/mo
Today · 4.125%
HK$21,254
baseline
▲ 0.50% · 4.625%
HK$22,374
+HK$1,120/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,508/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,304
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,029
−HK$737/mo
Today · 4.125%
HK$24,766
baseline
▲ 0.50% · 4.625%
HK$26,273
+HK$1,507/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,532/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,926
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,621
−HK$706/mo
Today · 4.125%
HK$27,327
baseline
▲ 0.50% · 4.625%
HK$28,767
+HK$1,440/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,654/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,751 · 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).