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$13,031
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,437
−HK$412/mo
Today · 4.125%
HK$13,849
baseline
▲ 0.50% · 4.625%
HK$14,691
+HK$842/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,698/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,497
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,886
−HK$395/mo
Today · 4.125%
HK$15,281
baseline
▲ 0.50% · 4.625%
HK$16,086
+HK$805/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,562/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,638
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,124
−HK$494/mo
Today · 4.125%
HK$16,618
baseline
▲ 0.50% · 4.625%
HK$17,630
+HK$1,012/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,236/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,397
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,863
−HK$474/mo
Today · 4.125%
HK$18,337
baseline
▲ 0.50% · 4.625%
HK$19,303
+HK$966/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,674/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,244
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,811
−HK$577/mo
Today · 4.125%
HK$19,388
baseline
▲ 0.50% · 4.625%
HK$20,568
+HK$1,180/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,776/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,296
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,841
−HK$552/mo
Today · 4.125%
HK$21,393
baseline
▲ 0.50% · 4.625%
HK$22,520
+HK$1,127/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,786/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,457
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,186
−HK$741/mo
Today · 4.125%
HK$24,927
baseline
▲ 0.50% · 4.625%
HK$26,444
+HK$1,517/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,854/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,095
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,795
−HK$710/mo
Today · 4.125%
HK$27,505
baseline
▲ 0.50% · 4.625%
HK$28,955
+HK$1,450/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$55,010/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,586 · 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).