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$13,012
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,417
−HK$411/mo
Today · 4.125%
HK$13,828
baseline
▲ 0.50% · 4.625%
HK$14,670
+HK$842/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,656/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,476
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,864
−HK$394/mo
Today · 4.125%
HK$15,258
baseline
▲ 0.50% · 4.625%
HK$16,062
+HK$804/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,516/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,615
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,100
−HK$494/mo
Today · 4.125%
HK$16,594
baseline
▲ 0.50% · 4.625%
HK$17,603
+HK$1,009/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,188/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,371
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,837
−HK$473/mo
Today · 4.125%
HK$18,310
baseline
▲ 0.50% · 4.625%
HK$19,275
+HK$965/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,620/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,217
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,784
−HK$575/mo
Today · 4.125%
HK$19,359
baseline
▲ 0.50% · 4.625%
HK$20,537
+HK$1,178/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,718/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,266
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,810
−HK$551/mo
Today · 4.125%
HK$21,361
baseline
▲ 0.50% · 4.625%
HK$22,487
+HK$1,126/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,722/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,422
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,150
−HK$741/mo
Today · 4.125%
HK$24,891
baseline
▲ 0.50% · 4.625%
HK$26,405
+HK$1,514/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,782/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,057
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,755
−HK$709/mo
Today · 4.125%
HK$27,464
baseline
▲ 0.50% · 4.625%
HK$28,912
+HK$1,448/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$54,928/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,395 · 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).