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$12,995
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,400
−HK$410/mo
Today · 4.125%
HK$13,810
baseline
▲ 0.50% · 4.625%
HK$14,651
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,620/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,457
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,845
−HK$393/mo
Today · 4.125%
HK$15,238
baseline
▲ 0.50% · 4.625%
HK$16,042
+HK$804/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,476/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,594
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,080
−HK$492/mo
Today · 4.125%
HK$16,572
baseline
▲ 0.50% · 4.625%
HK$17,581
+HK$1,009/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,144/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,349
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,814
−HK$472/mo
Today · 4.125%
HK$18,286
baseline
▲ 0.50% · 4.625%
HK$19,250
+HK$964/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,572/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,194
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,759
−HK$575/mo
Today · 4.125%
HK$19,334
baseline
▲ 0.50% · 4.625%
HK$20,511
+HK$1,177/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,668/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,240
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,783
−HK$551/mo
Today · 4.125%
HK$21,334
baseline
▲ 0.50% · 4.625%
HK$22,458
+HK$1,124/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,668/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,392
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,119
−HK$740/mo
Today · 4.125%
HK$24,859
baseline
▲ 0.50% · 4.625%
HK$26,371
+HK$1,512/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,718/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,023
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,721
−HK$708/mo
Today · 4.125%
HK$27,429
baseline
▲ 0.50% · 4.625%
HK$28,875
+HK$1,446/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,858/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,230 · 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).