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$12,890
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,291
−HK$407/mo
Today · 4.125%
HK$13,698
baseline
▲ 0.50% · 4.625%
HK$14,532
+HK$834/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,396/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,340
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,724
−HK$391/mo
Today · 4.125%
HK$15,115
baseline
▲ 0.50% · 4.625%
HK$15,911
+HK$796/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,230/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,468
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,949
−HK$489/mo
Today · 4.125%
HK$16,438
baseline
▲ 0.50% · 4.625%
HK$17,438
+HK$1,000/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,876/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,208
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,669
−HK$468/mo
Today · 4.125%
HK$18,137
baseline
▲ 0.50% · 4.625%
HK$19,094
+HK$957/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,274/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,046
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,607
−HK$570/mo
Today · 4.125%
HK$19,177
baseline
▲ 0.50% · 4.625%
HK$20,344
+HK$1,167/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,354/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,076
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,614
−HK$546/mo
Today · 4.125%
HK$21,160
baseline
▲ 0.50% · 4.625%
HK$22,276
+HK$1,116/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,320/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,202
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,923
−HK$734/mo
Today · 4.125%
HK$24,657
baseline
▲ 0.50% · 4.625%
HK$26,157
+HK$1,500/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$49,314/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,812
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,504
−HK$702/mo
Today · 4.125%
HK$27,206
baseline
▲ 0.50% · 4.625%
HK$28,640
+HK$1,434/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$54,412/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,189 · 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).