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$13,050
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,456
−HK$413/mo
Today · 4.125%
HK$13,869
baseline
▲ 0.50% · 4.625%
HK$14,713
+HK$844/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,738/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,518
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,908
−HK$395/mo
Today · 4.125%
HK$15,303
baseline
▲ 0.50% · 4.625%
HK$16,109
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,606/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,660
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,148
−HK$494/mo
Today · 4.125%
HK$16,642
baseline
▲ 0.50% · 4.625%
HK$17,655
+HK$1,013/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,284/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,422
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,889
−HK$474/mo
Today · 4.125%
HK$18,363
baseline
▲ 0.50% · 4.625%
HK$19,331
+HK$968/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,726/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,270
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,839
−HK$577/mo
Today · 4.125%
HK$19,416
baseline
▲ 0.50% · 4.625%
HK$20,598
+HK$1,182/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,832/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,326
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,871
−HK$553/mo
Today · 4.125%
HK$21,424
baseline
▲ 0.50% · 4.625%
HK$22,553
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,848/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,491
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,221
−HK$743/mo
Today · 4.125%
HK$24,964
baseline
▲ 0.50% · 4.625%
HK$26,483
+HK$1,519/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,928/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,133
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,834
−HK$711/mo
Today · 4.125%
HK$27,545
baseline
▲ 0.50% · 4.625%
HK$28,997
+HK$1,452/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,090/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,772 · 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).