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$12,961
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,364
−HK$410/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$127,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,419
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,806
−HK$392/mo
Today · 4.125%
HK$15,198
baseline
▲ 0.50% · 4.625%
HK$15,999
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,396/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,553
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,037
−HK$492/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$127,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,303
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,767
−HK$471/mo
Today · 4.125%
HK$18,238
baseline
▲ 0.50% · 4.625%
HK$19,199
+HK$961/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$127,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,146
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,710
−HK$574/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$127,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,187
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,728
−HK$550/mo
Today · 4.125%
HK$21,278
baseline
▲ 0.50% · 4.625%
HK$22,399
+HK$1,121/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$127,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,330
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,056
−HK$737/mo
Today · 4.125%
HK$24,793
baseline
▲ 0.50% · 4.625%
HK$26,302
+HK$1,509/mo
Deposit HK$568K · loan HK$5.12M · min. income ≈ HK$49,586/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,955
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,651
−HK$706/mo
Today · 4.125%
HK$27,357
baseline
▲ 0.50% · 4.625%
HK$28,799
+HK$1,442/mo
Deposit HK$568K · loan HK$5.12M · min. income ≈ HK$54,714/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,893 · 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).