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$12,963
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,366
−HK$410/mo
Today · 4.125%
HK$13,776
baseline
▲ 0.50% · 4.625%
HK$14,614
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,552/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,421
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,808
−HK$393/mo
Today · 4.125%
HK$15,201
baseline
▲ 0.50% · 4.625%
HK$16,002
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,402/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,556
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,040
−HK$491/mo
Today · 4.125%
HK$16,531
baseline
▲ 0.50% · 4.625%
HK$17,537
+HK$1,006/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,062/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,306
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,770
−HK$471/mo
Today · 4.125%
HK$18,241
baseline
▲ 0.50% · 4.625%
HK$19,202
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,482/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,148
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,713
−HK$573/mo
Today · 4.125%
HK$19,286
baseline
▲ 0.50% · 4.625%
HK$20,460
+HK$1,174/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,572/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,190
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,731
−HK$550/mo
Today · 4.125%
HK$21,281
baseline
▲ 0.50% · 4.625%
HK$22,402
+HK$1,121/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,562/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,334
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,059
−HK$738/mo
Today · 4.125%
HK$24,797
baseline
▲ 0.50% · 4.625%
HK$26,306
+HK$1,509/mo
Deposit HK$568K · loan HK$5.12M · min. income ≈ HK$49,594/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,958
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,655
−HK$706/mo
Today · 4.125%
HK$27,361
baseline
▲ 0.50% · 4.625%
HK$28,803
+HK$1,442/mo
Deposit HK$568K · loan HK$5.12M · min. income ≈ HK$54,722/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,912 · 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).