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$12,926
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,328
−HK$408/mo
Today · 4.125%
HK$13,736
baseline
▲ 0.50% · 4.625%
HK$14,572
+HK$836/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,472/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,380
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,765
−HK$392/mo
Today · 4.125%
HK$15,157
baseline
▲ 0.50% · 4.625%
HK$15,955
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,314/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,511
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,993
−HK$490/mo
Today · 4.125%
HK$16,483
baseline
▲ 0.50% · 4.625%
HK$17,486
+HK$1,003/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,966/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,256
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,718
−HK$470/mo
Today · 4.125%
HK$18,188
baseline
▲ 0.50% · 4.625%
HK$19,147
+HK$959/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,376/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,096
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,659
−HK$572/mo
Today · 4.125%
HK$19,231
baseline
▲ 0.50% · 4.625%
HK$20,401
+HK$1,170/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,462/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,131
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,671
−HK$548/mo
Today · 4.125%
HK$21,219
baseline
▲ 0.50% · 4.625%
HK$22,338
+HK$1,119/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,438/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,266
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,990
−HK$735/mo
Today · 4.125%
HK$24,725
baseline
▲ 0.50% · 4.625%
HK$26,230
+HK$1,505/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,450/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,883
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,578
−HK$704/mo
Today · 4.125%
HK$27,282
baseline
▲ 0.50% · 4.625%
HK$28,720
+HK$1,438/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,564/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,542 · 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).