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$13,005
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,409
−HK$411/mo
Today · 4.125%
HK$13,820
baseline
▲ 0.50% · 4.625%
HK$14,661
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,640/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,468
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,856
−HK$393/mo
Today · 4.125%
HK$15,249
baseline
▲ 0.50% · 4.625%
HK$16,053
+HK$804/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,498/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,606
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,091
−HK$493/mo
Today · 4.125%
HK$16,584
baseline
▲ 0.50% · 4.625%
HK$17,593
+HK$1,009/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,168/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,361
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,827
−HK$472/mo
Today · 4.125%
HK$18,299
baseline
▲ 0.50% · 4.625%
HK$19,264
+HK$965/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,598/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,207
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,773
−HK$575/mo
Today · 4.125%
HK$19,348
baseline
▲ 0.50% · 4.625%
HK$20,526
+HK$1,178/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,696/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,255
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,798
−HK$551/mo
Today · 4.125%
HK$21,349
baseline
▲ 0.50% · 4.625%
HK$22,474
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,698/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,408
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,137
−HK$739/mo
Today · 4.125%
HK$24,876
baseline
▲ 0.50% · 4.625%
HK$26,390
+HK$1,514/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,752/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,042
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,740
−HK$709/mo
Today · 4.125%
HK$27,449
baseline
▲ 0.50% · 4.625%
HK$28,895
+HK$1,446/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,898/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,322 · 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).