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$13,021
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,426
−HK$412/mo
Today · 4.125%
HK$13,838
baseline
▲ 0.50% · 4.625%
HK$14,680
+HK$842/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,676/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,486
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,874
−HK$395/mo
Today · 4.125%
HK$15,269
baseline
▲ 0.50% · 4.625%
HK$16,073
+HK$804/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,538/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,625
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,111
−HK$494/mo
Today · 4.125%
HK$16,605
baseline
▲ 0.50% · 4.625%
HK$17,616
+HK$1,011/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$33,210/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,383
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,849
−HK$473/mo
Today · 4.125%
HK$18,322
baseline
▲ 0.50% · 4.625%
HK$19,288
+HK$966/mo
Deposit HK$2.28M · loan HK$3.43M · min. income ≈ HK$36,644/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,230
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,797
−HK$576/mo
Today · 4.125%
HK$19,373
baseline
▲ 0.50% · 4.625%
HK$20,552
+HK$1,179/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,746/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,280
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,824
−HK$552/mo
Today · 4.125%
HK$21,376
baseline
▲ 0.50% · 4.625%
HK$22,503
+HK$1,127/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,752/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,438
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,167
−HK$741/mo
Today · 4.125%
HK$24,908
baseline
▲ 0.50% · 4.625%
HK$26,423
+HK$1,515/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,816/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,075
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,774
−HK$709/mo
Today · 4.125%
HK$27,483
baseline
▲ 0.50% · 4.625%
HK$28,932
+HK$1,449/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$54,966/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,485 · 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).