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$13,002
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,406
−HK$411/mo
Today · 4.125%
HK$13,817
baseline
▲ 0.50% · 4.625%
HK$14,658
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,634/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,464
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,852
−HK$394/mo
Today · 4.125%
HK$15,246
baseline
▲ 0.50% · 4.625%
HK$16,049
+HK$803/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,492/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,602
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,087
−HK$493/mo
Today · 4.125%
HK$16,580
baseline
▲ 0.50% · 4.625%
HK$17,589
+HK$1,009/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,160/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,357
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,823
−HK$472/mo
Today · 4.125%
HK$18,295
baseline
▲ 0.50% · 4.625%
HK$19,259
+HK$964/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,590/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,202
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,769
−HK$575/mo
Today · 4.125%
HK$19,344
baseline
▲ 0.50% · 4.625%
HK$20,521
+HK$1,177/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,688/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,250
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,793
−HK$551/mo
Today · 4.125%
HK$21,344
baseline
▲ 0.50% · 4.625%
HK$22,469
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,688/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,403
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,131
−HK$740/mo
Today · 4.125%
HK$24,871
baseline
▲ 0.50% · 4.625%
HK$26,384
+HK$1,513/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,742/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,036
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,734
−HK$708/mo
Today · 4.125%
HK$27,442
baseline
▲ 0.50% · 4.625%
HK$28,889
+HK$1,447/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,884/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,292 · 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).