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$12,922
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,324
−HK$408/mo
Today · 4.125%
HK$13,732
baseline
▲ 0.50% · 4.625%
HK$14,567
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,464/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,375
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,761
−HK$391/mo
Today · 4.125%
HK$15,152
baseline
▲ 0.50% · 4.625%
HK$15,950
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,304/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,506
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,988
−HK$490/mo
Today · 4.125%
HK$16,478
baseline
▲ 0.50% · 4.625%
HK$17,481
+HK$1,003/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,956/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,250
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,713
−HK$469/mo
Today · 4.125%
HK$18,182
baseline
▲ 0.50% · 4.625%
HK$19,141
+HK$959/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,364/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,090
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,653
−HK$572/mo
Today · 4.125%
HK$19,225
baseline
▲ 0.50% · 4.625%
HK$20,394
+HK$1,169/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,450/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,125
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,665
−HK$547/mo
Today · 4.125%
HK$21,212
baseline
▲ 0.50% · 4.625%
HK$22,331
+HK$1,119/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,424/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,259
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,982
−HK$735/mo
Today · 4.125%
HK$24,717
baseline
▲ 0.50% · 4.625%
HK$26,221
+HK$1,504/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,434/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,875
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,569
−HK$704/mo
Today · 4.125%
HK$27,273
baseline
▲ 0.50% · 4.625%
HK$28,711
+HK$1,438/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,546/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,502 · 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).