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$12,962
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,365
−HK$409/mo
Today · 4.125%
HK$13,774
baseline
▲ 0.50% · 4.625%
HK$14,612
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,548/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,420
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,806
−HK$393/mo
Today · 4.125%
HK$15,199
baseline
▲ 0.50% · 4.625%
HK$16,000
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,398/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,554
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,038
−HK$491/mo
Today · 4.125%
HK$16,529
baseline
▲ 0.50% · 4.625%
HK$17,535
+HK$1,006/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,058/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,304
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,768
−HK$470/mo
Today · 4.125%
HK$18,238
baseline
▲ 0.50% · 4.625%
HK$19,200
+HK$962/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,476/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,146
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,711
−HK$573/mo
Today · 4.125%
HK$19,284
baseline
▲ 0.50% · 4.625%
HK$20,457
+HK$1,173/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,568/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,187
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,729
−HK$549/mo
Today · 4.125%
HK$21,278
baseline
▲ 0.50% · 4.625%
HK$22,400
+HK$1,122/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,556/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,331
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,057
−HK$737/mo
Today · 4.125%
HK$24,794
baseline
▲ 0.50% · 4.625%
HK$26,302
+HK$1,508/mo
Deposit HK$568K · loan HK$5.12M · min. income ≈ HK$49,588/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,955
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,651
−HK$707/mo
Today · 4.125%
HK$27,358
baseline
▲ 0.50% · 4.625%
HK$28,800
+HK$1,442/mo
Deposit HK$568K · loan HK$5.12M · min. income ≈ HK$54,716/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,896 · 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).