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$12,981
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,385
−HK$410/mo
Today · 4.125%
HK$13,795
baseline
▲ 0.50% · 4.625%
HK$14,635
+HK$840/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,590/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,442
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,829
−HK$393/mo
Today · 4.125%
HK$15,222
baseline
▲ 0.50% · 4.625%
HK$16,024
+HK$802/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,444/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,578
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,062
−HK$492/mo
Today · 4.125%
HK$16,554
baseline
▲ 0.50% · 4.625%
HK$17,562
+HK$1,008/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,108/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,330
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,795
−HK$471/mo
Today · 4.125%
HK$18,266
baseline
▲ 0.50% · 4.625%
HK$19,229
+HK$963/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,532/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,174
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,739
−HK$575/mo
Today · 4.125%
HK$19,314
baseline
▲ 0.50% · 4.625%
HK$20,489
+HK$1,175/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,628/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,218
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,760
−HK$551/mo
Today · 4.125%
HK$21,311
baseline
▲ 0.50% · 4.625%
HK$22,434
+HK$1,123/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,622/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,366
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,093
−HK$739/mo
Today · 4.125%
HK$24,832
baseline
▲ 0.50% · 4.625%
HK$26,343
+HK$1,511/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,664/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,995
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,692
−HK$707/mo
Today · 4.125%
HK$27,399
baseline
▲ 0.50% · 4.625%
HK$28,844
+HK$1,445/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,798/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,091 · 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).