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$12,979
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,383
−HK$410/mo
Today · 4.125%
HK$13,793
baseline
▲ 0.50% · 4.625%
HK$14,632
+HK$839/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,586/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,439
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,827
−HK$392/mo
Today · 4.125%
HK$15,219
baseline
▲ 0.50% · 4.625%
HK$16,022
+HK$803/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,438/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,575
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,060
−HK$492/mo
Today · 4.125%
HK$16,552
baseline
▲ 0.50% · 4.625%
HK$17,559
+HK$1,007/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,104/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$128,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,327
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,792
−HK$471/mo
Today · 4.125%
HK$18,263
baseline
▲ 0.50% · 4.625%
HK$19,226
+HK$963/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,526/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$128,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,171
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,736
−HK$574/mo
Today · 4.125%
HK$19,310
baseline
▲ 0.50% · 4.625%
HK$20,485
+HK$1,175/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,620/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,215
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,757
−HK$550/mo
Today · 4.125%
HK$21,307
baseline
▲ 0.50% · 4.625%
HK$22,430
+HK$1,123/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,614/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,363
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,089
−HK$739/mo
Today · 4.125%
HK$24,828
baseline
▲ 0.50% · 4.625%
HK$26,338
+HK$1,510/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,656/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,991
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,688
−HK$707/mo
Today · 4.125%
HK$27,395
baseline
▲ 0.50% · 4.625%
HK$28,839
+HK$1,444/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,790/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,071 · 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).