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$13,006
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,410
−HK$411/mo
Today · 4.125%
HK$13,821
baseline
▲ 0.50% · 4.625%
HK$14,662
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,642/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,469
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,857
−HK$393/mo
Today · 4.125%
HK$15,250
baseline
▲ 0.50% · 4.625%
HK$16,054
+HK$804/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,500/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,607
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,092
−HK$493/mo
Today · 4.125%
HK$16,585
baseline
▲ 0.50% · 4.625%
HK$17,595
+HK$1,010/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,170/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,362
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,828
−HK$472/mo
Today · 4.125%
HK$18,300
baseline
▲ 0.50% · 4.625%
HK$19,265
+HK$965/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,600/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,208
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,774
−HK$576/mo
Today · 4.125%
HK$19,350
baseline
▲ 0.50% · 4.625%
HK$20,527
+HK$1,177/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,700/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,256
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,799
−HK$552/mo
Today · 4.125%
HK$21,351
baseline
▲ 0.50% · 4.625%
HK$22,476
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,702/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,410
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,138
−HK$740/mo
Today · 4.125%
HK$24,878
baseline
▲ 0.50% · 4.625%
HK$26,392
+HK$1,514/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,756/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,044
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,742
−HK$709/mo
Today · 4.125%
HK$27,451
baseline
▲ 0.50% · 4.625%
HK$28,898
+HK$1,447/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,902/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,332 · 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).