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$13,004
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,408
−HK$411/mo
Today · 4.125%
HK$13,819
baseline
▲ 0.50% · 4.625%
HK$14,660
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,638/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,467
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,855
−HK$393/mo
Today · 4.125%
HK$15,248
baseline
▲ 0.50% · 4.625%
HK$16,052
+HK$804/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,496/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,605
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,090
−HK$493/mo
Today · 4.125%
HK$16,583
baseline
▲ 0.50% · 4.625%
HK$17,592
+HK$1,009/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,166/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,360
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,826
−HK$472/mo
Today · 4.125%
HK$18,298
baseline
▲ 0.50% · 4.625%
HK$19,263
+HK$965/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,596/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,206
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,772
−HK$575/mo
Today · 4.125%
HK$19,347
baseline
▲ 0.50% · 4.625%
HK$20,524
+HK$1,177/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,694/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,254
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,797
−HK$551/mo
Today · 4.125%
HK$21,348
baseline
▲ 0.50% · 4.625%
HK$22,473
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,696/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,407
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,135
−HK$740/mo
Today · 4.125%
HK$24,875
baseline
▲ 0.50% · 4.625%
HK$26,389
+HK$1,514/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,750/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,040
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,739
−HK$708/mo
Today · 4.125%
HK$27,447
baseline
▲ 0.50% · 4.625%
HK$28,894
+HK$1,447/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,894/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,315 · 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).