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$13,009
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,414
−HK$411/mo
Today · 4.125%
HK$13,825
baseline
▲ 0.50% · 4.625%
HK$14,666
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,650/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,472
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,861
−HK$393/mo
Today · 4.125%
HK$15,254
baseline
▲ 0.50% · 4.625%
HK$16,058
+HK$804/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,508/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,611
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,096
−HK$494/mo
Today · 4.125%
HK$16,590
baseline
▲ 0.50% · 4.625%
HK$17,599
+HK$1,009/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,180/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,367
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,833
−HK$472/mo
Today · 4.125%
HK$18,305
baseline
▲ 0.50% · 4.625%
HK$19,270
+HK$965/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,610/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,213
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,779
−HK$576/mo
Today · 4.125%
HK$19,355
baseline
▲ 0.50% · 4.625%
HK$20,532
+HK$1,177/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,710/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,261
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,805
−HK$551/mo
Today · 4.125%
HK$21,356
baseline
▲ 0.50% · 4.625%
HK$22,482
+HK$1,126/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,712/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,416
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,145
−HK$740/mo
Today · 4.125%
HK$24,885
baseline
▲ 0.50% · 4.625%
HK$26,399
+HK$1,514/mo
Deposit HK$571K · loan HK$5.13M · min. income ≈ HK$49,770/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,050
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,749
−HK$709/mo
Today · 4.125%
HK$27,458
baseline
▲ 0.50% · 4.625%
HK$28,905
+HK$1,447/mo
Deposit HK$571K · loan HK$5.13M · min. income ≈ HK$54,916/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,364 · 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).