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$13,000
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,404
−HK$411/mo
Today · 4.125%
HK$13,815
baseline
▲ 0.50% · 4.625%
HK$14,656
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,630/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,462
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,850
−HK$394/mo
Today · 4.125%
HK$15,244
baseline
▲ 0.50% · 4.625%
HK$16,047
+HK$803/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,488/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,600
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,085
−HK$493/mo
Today · 4.125%
HK$16,578
baseline
▲ 0.50% · 4.625%
HK$17,587
+HK$1,009/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,156/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,355
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,820
−HK$472/mo
Today · 4.125%
HK$18,292
baseline
▲ 0.50% · 4.625%
HK$19,257
+HK$965/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,584/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,200
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,766
−HK$575/mo
Today · 4.125%
HK$19,341
baseline
▲ 0.50% · 4.625%
HK$20,518
+HK$1,177/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,682/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,247
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,790
−HK$551/mo
Today · 4.125%
HK$21,341
baseline
▲ 0.50% · 4.625%
HK$22,466
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,682/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,400
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,128
−HK$739/mo
Today · 4.125%
HK$24,867
baseline
▲ 0.50% · 4.625%
HK$26,380
+HK$1,513/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,734/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,032
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,730
−HK$709/mo
Today · 4.125%
HK$27,439
baseline
▲ 0.50% · 4.625%
HK$28,885
+HK$1,446/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,878/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,275 · 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).