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$12,993
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,397
−HK$410/mo
Today · 4.125%
HK$13,807
baseline
▲ 0.50% · 4.625%
HK$14,648
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,614/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,454
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,842
−HK$393/mo
Today · 4.125%
HK$15,235
baseline
▲ 0.50% · 4.625%
HK$16,038
+HK$803/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,470/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,591
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,076
−HK$493/mo
Today · 4.125%
HK$16,569
baseline
▲ 0.50% · 4.625%
HK$17,577
+HK$1,008/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,138/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,345
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,810
−HK$472/mo
Today · 4.125%
HK$18,282
baseline
▲ 0.50% · 4.625%
HK$19,246
+HK$964/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,564/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,190
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,756
−HK$574/mo
Today · 4.125%
HK$19,330
baseline
▲ 0.50% · 4.625%
HK$20,507
+HK$1,177/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,660/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,236
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,779
−HK$550/mo
Today · 4.125%
HK$21,329
baseline
▲ 0.50% · 4.625%
HK$22,454
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,658/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,387
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,114
−HK$739/mo
Today · 4.125%
HK$24,853
baseline
▲ 0.50% · 4.625%
HK$26,366
+HK$1,513/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,706/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,018
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,715
−HK$708/mo
Today · 4.125%
HK$27,423
baseline
▲ 0.50% · 4.625%
HK$28,869
+HK$1,446/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,846/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,204 · 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).