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$13,042
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,447
−HK$413/mo
Today · 4.125%
HK$13,860
baseline
▲ 0.50% · 4.625%
HK$14,703
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,720/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,509
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,898
−HK$395/mo
Today · 4.125%
HK$15,293
baseline
▲ 0.50% · 4.625%
HK$16,099
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,586/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,650
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,137
−HK$495/mo
Today · 4.125%
HK$16,632
baseline
▲ 0.50% · 4.625%
HK$17,644
+HK$1,012/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,264/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,411
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,878
−HK$473/mo
Today · 4.125%
HK$18,351
baseline
▲ 0.50% · 4.625%
HK$19,319
+HK$968/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,702/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,258
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,826
−HK$577/mo
Today · 4.125%
HK$19,403
baseline
▲ 0.50% · 4.625%
HK$20,584
+HK$1,181/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$38,806/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,312
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,857
−HK$553/mo
Today · 4.125%
HK$21,410
baseline
▲ 0.50% · 4.625%
HK$22,538
+HK$1,128/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$42,820/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,475
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,205
−HK$742/mo
Today · 4.125%
HK$24,947
baseline
▲ 0.50% · 4.625%
HK$26,465
+HK$1,518/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,894/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,116
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,816
−HK$711/mo
Today · 4.125%
HK$27,527
baseline
▲ 0.50% · 4.625%
HK$28,978
+HK$1,451/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,054/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,688 · 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).