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$12,990
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,395
−HK$410/mo
Today · 4.125%
HK$13,805
baseline
▲ 0.50% · 4.625%
HK$14,645
+HK$840/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,610/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,452
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,839
−HK$393/mo
Today · 4.125%
HK$15,232
baseline
▲ 0.50% · 4.625%
HK$16,035
+HK$803/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,464/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,589
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,073
−HK$493/mo
Today · 4.125%
HK$16,566
baseline
▲ 0.50% · 4.625%
HK$17,574
+HK$1,008/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,132/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,342
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,807
−HK$472/mo
Today · 4.125%
HK$18,279
baseline
▲ 0.50% · 4.625%
HK$19,243
+HK$964/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,558/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,187
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,752
−HK$575/mo
Today · 4.125%
HK$19,327
baseline
▲ 0.50% · 4.625%
HK$20,503
+HK$1,176/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,654/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,232
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,775
−HK$550/mo
Today · 4.125%
HK$21,325
baseline
▲ 0.50% · 4.625%
HK$22,450
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,650/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,383
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,110
−HK$739/mo
Today · 4.125%
HK$24,849
baseline
▲ 0.50% · 4.625%
HK$26,361
+HK$1,512/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,698/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,013
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,711
−HK$707/mo
Today · 4.125%
HK$27,418
baseline
▲ 0.50% · 4.625%
HK$28,864
+HK$1,446/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,836/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,181 · 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).