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$13,004
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,408
−HK$411/mo
Today · 4.125%
HK$13,819
baseline
▲ 0.50% · 4.625%
HK$14,660
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,638/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,466
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,854
−HK$394/mo
Today · 4.125%
HK$15,248
baseline
▲ 0.50% · 4.625%
HK$16,052
+HK$804/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,496/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,604
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,090
−HK$493/mo
Today · 4.125%
HK$16,583
baseline
▲ 0.50% · 4.625%
HK$17,592
+HK$1,009/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,166/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,360
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,825
−HK$472/mo
Today · 4.125%
HK$18,297
baseline
▲ 0.50% · 4.625%
HK$19,262
+HK$965/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,594/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,205
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,771
−HK$576/mo
Today · 4.125%
HK$19,347
baseline
▲ 0.50% · 4.625%
HK$20,524
+HK$1,177/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,694/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,253
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,796
−HK$551/mo
Today · 4.125%
HK$21,347
baseline
▲ 0.50% · 4.625%
HK$22,472
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,694/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,406
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,134
−HK$740/mo
Today · 4.125%
HK$24,874
baseline
▲ 0.50% · 4.625%
HK$26,388
+HK$1,514/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,748/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,039
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,738
−HK$708/mo
Today · 4.125%
HK$27,446
baseline
▲ 0.50% · 4.625%
HK$28,893
+HK$1,447/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,892/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,311 · 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).