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$13,059
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,465
−HK$413/mo
Today · 4.125%
HK$13,878
baseline
▲ 0.50% · 4.625%
HK$14,723
+HK$845/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,756/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,528
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,918
−HK$395/mo
Today · 4.125%
HK$15,313
baseline
▲ 0.50% · 4.625%
HK$16,120
+HK$807/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,626/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,671
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,159
−HK$495/mo
Today · 4.125%
HK$16,654
baseline
▲ 0.50% · 4.625%
HK$17,667
+HK$1,013/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,308/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,434
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,901
−HK$475/mo
Today · 4.125%
HK$18,376
baseline
▲ 0.50% · 4.625%
HK$19,344
+HK$968/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,752/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,283
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,852
−HK$577/mo
Today · 4.125%
HK$19,429
baseline
▲ 0.50% · 4.625%
HK$20,612
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,858/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,340
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,885
−HK$553/mo
Today · 4.125%
HK$21,438
baseline
▲ 0.50% · 4.625%
HK$22,569
+HK$1,131/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,876/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,507
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,238
−HK$743/mo
Today · 4.125%
HK$24,981
baseline
▲ 0.50% · 4.625%
HK$26,501
+HK$1,520/mo
Deposit HK$573K · loan HK$5.15M · min. income ≈ HK$49,962/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,151
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,852
−HK$712/mo
Today · 4.125%
HK$27,564
baseline
▲ 0.50% · 4.625%
HK$29,017
+HK$1,453/mo
Deposit HK$573K · loan HK$5.15M · min. income ≈ HK$55,128/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,860 · 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).