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$12,994
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,398
−HK$411/mo
Today · 4.125%
HK$13,809
baseline
▲ 0.50% · 4.625%
HK$14,649
+HK$840/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,618/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,456
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,843
−HK$394/mo
Today · 4.125%
HK$15,237
baseline
▲ 0.50% · 4.625%
HK$16,040
+HK$803/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,474/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,593
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,078
−HK$493/mo
Today · 4.125%
HK$16,571
baseline
▲ 0.50% · 4.625%
HK$17,579
+HK$1,008/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,142/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,347
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,812
−HK$472/mo
Today · 4.125%
HK$18,284
baseline
▲ 0.50% · 4.625%
HK$19,248
+HK$964/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,568/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,192
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,757
−HK$575/mo
Today · 4.125%
HK$19,332
baseline
▲ 0.50% · 4.625%
HK$20,509
+HK$1,177/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,664/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,238
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,781
−HK$550/mo
Today · 4.125%
HK$21,331
baseline
▲ 0.50% · 4.625%
HK$22,456
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,662/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,389
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,117
−HK$739/mo
Today · 4.125%
HK$24,856
baseline
▲ 0.50% · 4.625%
HK$26,368
+HK$1,512/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,712/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,020
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,718
−HK$708/mo
Today · 4.125%
HK$27,426
baseline
▲ 0.50% · 4.625%
HK$28,872
+HK$1,446/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,852/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,216 · 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).