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$12,997
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,401
−HK$411/mo
Today · 4.125%
HK$13,812
baseline
▲ 0.50% · 4.625%
HK$14,652
+HK$840/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,624/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,459
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,846
−HK$394/mo
Today · 4.125%
HK$15,240
baseline
▲ 0.50% · 4.625%
HK$16,043
+HK$803/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,480/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,596
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,081
−HK$493/mo
Today · 4.125%
HK$16,574
baseline
▲ 0.50% · 4.625%
HK$17,582
+HK$1,008/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,148/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,350
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,816
−HK$472/mo
Today · 4.125%
HK$18,288
baseline
▲ 0.50% · 4.625%
HK$19,252
+HK$964/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,576/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,195
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,761
−HK$575/mo
Today · 4.125%
HK$19,336
baseline
▲ 0.50% · 4.625%
HK$20,513
+HK$1,177/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,672/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,242
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,785
−HK$551/mo
Today · 4.125%
HK$21,336
baseline
▲ 0.50% · 4.625%
HK$22,460
+HK$1,124/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,672/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,394
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,121
−HK$740/mo
Today · 4.125%
HK$24,861
baseline
▲ 0.50% · 4.625%
HK$26,374
+HK$1,513/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,722/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,025
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,723
−HK$708/mo
Today · 4.125%
HK$27,431
baseline
▲ 0.50% · 4.625%
HK$28,877
+HK$1,446/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,862/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,242 · 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).