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$13,005
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,410
−HK$411/mo
Today · 4.125%
HK$13,821
baseline
▲ 0.50% · 4.625%
HK$14,662
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,642/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,468
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,856
−HK$394/mo
Today · 4.125%
HK$15,250
baseline
▲ 0.50% · 4.625%
HK$16,054
+HK$804/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,500/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,606
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,092
−HK$493/mo
Today · 4.125%
HK$16,585
baseline
▲ 0.50% · 4.625%
HK$17,594
+HK$1,009/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,170/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,362
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,827
−HK$473/mo
Today · 4.125%
HK$18,300
baseline
▲ 0.50% · 4.625%
HK$19,264
+HK$964/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,600/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,207
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,774
−HK$575/mo
Today · 4.125%
HK$19,349
baseline
▲ 0.50% · 4.625%
HK$20,526
+HK$1,177/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,698/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,255
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,799
−HK$551/mo
Today · 4.125%
HK$21,350
baseline
▲ 0.50% · 4.625%
HK$22,475
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,700/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,409
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,137
−HK$740/mo
Today · 4.125%
HK$24,877
baseline
▲ 0.50% · 4.625%
HK$26,391
+HK$1,514/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,754/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,043
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,741
−HK$709/mo
Today · 4.125%
HK$27,450
baseline
▲ 0.50% · 4.625%
HK$28,896
+HK$1,446/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,900/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,326 · 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).