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$12,964
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,367
−HK$410/mo
Today · 4.125%
HK$13,777
baseline
▲ 0.50% · 4.625%
HK$14,615
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,554/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,422
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,809
−HK$392/mo
Today · 4.125%
HK$15,201
baseline
▲ 0.50% · 4.625%
HK$16,003
+HK$802/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$127,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,557
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,041
−HK$491/mo
Today · 4.125%
HK$16,532
baseline
▲ 0.50% · 4.625%
HK$17,538
+HK$1,006/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,064/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,307
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,771
−HK$471/mo
Today · 4.125%
HK$18,242
baseline
▲ 0.50% · 4.625%
HK$19,203
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,484/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,149
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,714
−HK$574/mo
Today · 4.125%
HK$19,288
baseline
▲ 0.50% · 4.625%
HK$20,461
+HK$1,173/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,576/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,191
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,733
−HK$549/mo
Today · 4.125%
HK$21,282
baseline
▲ 0.50% · 4.625%
HK$22,404
+HK$1,122/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,564/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,335
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,061
−HK$737/mo
Today · 4.125%
HK$24,798
baseline
▲ 0.50% · 4.625%
HK$26,307
+HK$1,509/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,596/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,960
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,656
−HK$707/mo
Today · 4.125%
HK$27,363
baseline
▲ 0.50% · 4.625%
HK$28,805
+HK$1,442/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,726/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,920 · 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).