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$12,982
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,386
−HK$410/mo
Today · 4.125%
HK$13,796
baseline
▲ 0.50% · 4.625%
HK$14,636
+HK$840/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,592/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,443
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,830
−HK$393/mo
Today · 4.125%
HK$15,223
baseline
▲ 0.50% · 4.625%
HK$16,025
+HK$802/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,446/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,579
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,063
−HK$493/mo
Today · 4.125%
HK$16,556
baseline
▲ 0.50% · 4.625%
HK$17,563
+HK$1,007/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,112/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,331
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,796
−HK$471/mo
Today · 4.125%
HK$18,267
baseline
▲ 0.50% · 4.625%
HK$19,230
+HK$963/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,534/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,175
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,740
−HK$575/mo
Today · 4.125%
HK$19,315
baseline
▲ 0.50% · 4.625%
HK$20,490
+HK$1,175/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,630/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,220
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,762
−HK$550/mo
Today · 4.125%
HK$21,312
baseline
▲ 0.50% · 4.625%
HK$22,435
+HK$1,123/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,624/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,368
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,095
−HK$738/mo
Today · 4.125%
HK$24,833
baseline
▲ 0.50% · 4.625%
HK$26,344
+HK$1,511/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,666/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,997
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,694
−HK$707/mo
Today · 4.125%
HK$27,401
baseline
▲ 0.50% · 4.625%
HK$28,845
+HK$1,444/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,802/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,100 · 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).