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$13,003
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,407
−HK$411/mo
Today · 4.125%
HK$13,818
baseline
▲ 0.50% · 4.625%
HK$14,659
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,636/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,466
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,854
−HK$393/mo
Today · 4.125%
HK$15,247
baseline
▲ 0.50% · 4.625%
HK$16,051
+HK$804/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,494/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,603
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,089
−HK$493/mo
Today · 4.125%
HK$16,582
baseline
▲ 0.50% · 4.625%
HK$17,591
+HK$1,009/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,164/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,359
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,824
−HK$473/mo
Today · 4.125%
HK$18,297
baseline
▲ 0.50% · 4.625%
HK$19,261
+HK$964/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$128,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,204
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,770
−HK$576/mo
Today · 4.125%
HK$19,346
baseline
▲ 0.50% · 4.625%
HK$20,523
+HK$1,177/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,692/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,252
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,795
−HK$551/mo
Today · 4.125%
HK$21,346
baseline
▲ 0.50% · 4.625%
HK$22,471
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,692/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,405
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,133
−HK$740/mo
Today · 4.125%
HK$24,873
baseline
▲ 0.50% · 4.625%
HK$26,386
+HK$1,513/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,746/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,038
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,736
−HK$709/mo
Today · 4.125%
HK$27,445
baseline
▲ 0.50% · 4.625%
HK$28,891
+HK$1,446/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,890/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,304 · 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).