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$13,001
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,405
−HK$411/mo
Today · 4.125%
HK$13,816
baseline
▲ 0.50% · 4.625%
HK$14,657
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,632/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,463
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,851
−HK$394/mo
Today · 4.125%
HK$15,245
baseline
▲ 0.50% · 4.625%
HK$16,048
+HK$803/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,490/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,601
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,086
−HK$493/mo
Today · 4.125%
HK$16,579
baseline
▲ 0.50% · 4.625%
HK$17,588
+HK$1,009/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,158/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,356
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,822
−HK$472/mo
Today · 4.125%
HK$18,294
baseline
▲ 0.50% · 4.625%
HK$19,258
+HK$964/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,588/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,201
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,767
−HK$576/mo
Today · 4.125%
HK$19,343
baseline
▲ 0.50% · 4.625%
HK$20,520
+HK$1,177/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,686/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,249
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,792
−HK$551/mo
Today · 4.125%
HK$21,343
baseline
▲ 0.50% · 4.625%
HK$22,468
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,686/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,402
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,130
−HK$739/mo
Today · 4.125%
HK$24,869
baseline
▲ 0.50% · 4.625%
HK$26,382
+HK$1,513/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,738/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,034
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,732
−HK$709/mo
Today · 4.125%
HK$27,441
baseline
▲ 0.50% · 4.625%
HK$28,887
+HK$1,446/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,882/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,285 · 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).