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$13,010
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,415
−HK$411/mo
Today · 4.125%
HK$13,826
baseline
▲ 0.50% · 4.625%
HK$14,667
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,652/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,473
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,862
−HK$393/mo
Today · 4.125%
HK$15,255
baseline
▲ 0.50% · 4.625%
HK$16,059
+HK$804/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,510/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,612
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,097
−HK$494/mo
Today · 4.125%
HK$16,591
baseline
▲ 0.50% · 4.625%
HK$17,600
+HK$1,009/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,182/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,368
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,834
−HK$472/mo
Today · 4.125%
HK$18,306
baseline
▲ 0.50% · 4.625%
HK$19,271
+HK$965/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,612/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,214
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,780
−HK$576/mo
Today · 4.125%
HK$19,356
baseline
▲ 0.50% · 4.625%
HK$20,534
+HK$1,178/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,712/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,263
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,806
−HK$551/mo
Today · 4.125%
HK$21,357
baseline
▲ 0.50% · 4.625%
HK$22,483
+HK$1,126/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,714/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,418
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,146
−HK$740/mo
Today · 4.125%
HK$24,886
baseline
▲ 0.50% · 4.625%
HK$26,401
+HK$1,515/mo
Deposit HK$571K · loan HK$5.13M · min. income ≈ HK$49,772/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,052
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,751
−HK$709/mo
Today · 4.125%
HK$27,460
baseline
▲ 0.50% · 4.625%
HK$28,907
+HK$1,447/mo
Deposit HK$571K · loan HK$5.13M · min. income ≈ HK$54,920/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,373 · 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).