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$13,018
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,423
−HK$412/mo
Today · 4.125%
HK$13,835
baseline
▲ 0.50% · 4.625%
HK$14,676
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,670/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,483
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,871
−HK$394/mo
Today · 4.125%
HK$15,265
baseline
▲ 0.50% · 4.625%
HK$16,070
+HK$805/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,530/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,622
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,108
−HK$494/mo
Today · 4.125%
HK$16,602
baseline
▲ 0.50% · 4.625%
HK$17,612
+HK$1,010/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$33,204/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,379
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,845
−HK$473/mo
Today · 4.125%
HK$18,318
baseline
▲ 0.50% · 4.625%
HK$19,284
+HK$966/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$36,636/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,226
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,793
−HK$576/mo
Today · 4.125%
HK$19,369
baseline
▲ 0.50% · 4.625%
HK$20,547
+HK$1,178/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,738/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,276
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,820
−HK$551/mo
Today · 4.125%
HK$21,371
baseline
▲ 0.50% · 4.625%
HK$22,498
+HK$1,127/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,742/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,433
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,162
−HK$740/mo
Today · 4.125%
HK$24,902
baseline
▲ 0.50% · 4.625%
HK$26,418
+HK$1,516/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,804/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,069
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,768
−HK$709/mo
Today · 4.125%
HK$27,477
baseline
▲ 0.50% · 4.625%
HK$28,926
+HK$1,449/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$54,954/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,456 · 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).