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$12,989
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,393
−HK$410/mo
Today · 4.125%
HK$13,803
baseline
▲ 0.50% · 4.625%
HK$14,643
+HK$840/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,606/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,450
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,837
−HK$393/mo
Today · 4.125%
HK$15,230
baseline
▲ 0.50% · 4.625%
HK$16,033
+HK$803/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,460/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,586
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,071
−HK$493/mo
Today · 4.125%
HK$16,564
baseline
▲ 0.50% · 4.625%
HK$17,571
+HK$1,007/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,128/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,340
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,805
−HK$471/mo
Today · 4.125%
HK$18,276
baseline
▲ 0.50% · 4.625%
HK$19,240
+HK$964/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,552/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,184
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,750
−HK$574/mo
Today · 4.125%
HK$19,324
baseline
▲ 0.50% · 4.625%
HK$20,500
+HK$1,176/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,648/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,229
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,772
−HK$550/mo
Today · 4.125%
HK$21,322
baseline
▲ 0.50% · 4.625%
HK$22,446
+HK$1,124/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,644/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,379
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,107
−HK$738/mo
Today · 4.125%
HK$24,845
baseline
▲ 0.50% · 4.625%
HK$26,357
+HK$1,512/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,690/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,009
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,707
−HK$707/mo
Today · 4.125%
HK$27,414
baseline
▲ 0.50% · 4.625%
HK$28,860
+HK$1,446/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,828/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,162 · 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).