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$13,033
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,438
−HK$412/mo
Today · 4.125%
HK$13,850
baseline
▲ 0.50% · 4.625%
HK$14,693
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,700/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,499
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,888
−HK$394/mo
Today · 4.125%
HK$15,282
baseline
▲ 0.50% · 4.625%
HK$16,088
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,564/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,639
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,126
−HK$494/mo
Today · 4.125%
HK$16,620
baseline
▲ 0.50% · 4.625%
HK$17,631
+HK$1,011/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,240/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,399
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,865
−HK$474/mo
Today · 4.125%
HK$18,339
baseline
▲ 0.50% · 4.625%
HK$19,305
+HK$966/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,678/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,246
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,813
−HK$577/mo
Today · 4.125%
HK$19,390
baseline
▲ 0.50% · 4.625%
HK$20,570
+HK$1,180/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,780/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,298
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,843
−HK$552/mo
Today · 4.125%
HK$21,395
baseline
▲ 0.50% · 4.625%
HK$22,523
+HK$1,128/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,790/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,459
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,189
−HK$741/mo
Today · 4.125%
HK$24,930
baseline
▲ 0.50% · 4.625%
HK$26,447
+HK$1,517/mo
Deposit HK$572K · loan HK$5.14M · min. income ≈ HK$49,860/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,098
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,798
−HK$710/mo
Today · 4.125%
HK$27,508
baseline
▲ 0.50% · 4.625%
HK$28,958
+HK$1,450/mo
Deposit HK$572K · loan HK$5.14M · min. income ≈ HK$55,016/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,599 · 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).