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$13,003
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,407
−HK$411/mo
Today · 4.125%
HK$13,818
baseline
▲ 0.50% · 4.625%
HK$14,659
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,636/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,465
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,853
−HK$394/mo
Today · 4.125%
HK$15,247
baseline
▲ 0.50% · 4.625%
HK$16,050
+HK$803/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,494/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,603
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,088
−HK$493/mo
Today · 4.125%
HK$16,581
baseline
▲ 0.50% · 4.625%
HK$17,590
+HK$1,009/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,162/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,358
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,824
−HK$472/mo
Today · 4.125%
HK$18,296
baseline
▲ 0.50% · 4.625%
HK$19,260
+HK$964/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,592/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,204
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,770
−HK$575/mo
Today · 4.125%
HK$19,345
baseline
▲ 0.50% · 4.625%
HK$20,522
+HK$1,177/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,690/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,251
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,794
−HK$551/mo
Today · 4.125%
HK$21,345
baseline
▲ 0.50% · 4.625%
HK$22,470
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,690/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,405
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,133
−HK$739/mo
Today · 4.125%
HK$24,872
baseline
▲ 0.50% · 4.625%
HK$26,386
+HK$1,514/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,744/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,037
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,736
−HK$708/mo
Today · 4.125%
HK$27,444
baseline
▲ 0.50% · 4.625%
HK$28,891
+HK$1,447/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,888/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,300 · 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).