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$12,999
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,404
−HK$411/mo
Today · 4.125%
HK$13,815
baseline
▲ 0.50% · 4.625%
HK$14,655
+HK$840/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,630/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,462
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,850
−HK$393/mo
Today · 4.125%
HK$15,243
baseline
▲ 0.50% · 4.625%
HK$16,047
+HK$804/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,486/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,599
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,085
−HK$493/mo
Today · 4.125%
HK$16,578
baseline
▲ 0.50% · 4.625%
HK$17,586
+HK$1,008/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,156/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,354
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,820
−HK$472/mo
Today · 4.125%
HK$18,292
baseline
▲ 0.50% · 4.625%
HK$19,256
+HK$964/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,584/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,199
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,765
−HK$575/mo
Today · 4.125%
HK$19,340
baseline
▲ 0.50% · 4.625%
HK$20,517
+HK$1,177/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,680/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,246
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,789
−HK$551/mo
Today · 4.125%
HK$21,340
baseline
▲ 0.50% · 4.625%
HK$22,465
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,680/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,399
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,127
−HK$739/mo
Today · 4.125%
HK$24,866
baseline
▲ 0.50% · 4.625%
HK$26,379
+HK$1,513/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,732/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,031
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,729
−HK$709/mo
Today · 4.125%
HK$27,438
baseline
▲ 0.50% · 4.625%
HK$28,884
+HK$1,446/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,876/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,270 · 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).