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$12,998
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,402
−HK$411/mo
Today · 4.125%
HK$13,813
baseline
▲ 0.50% · 4.625%
HK$14,653
+HK$840/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,626/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,460
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,848
−HK$393/mo
Today · 4.125%
HK$15,241
baseline
▲ 0.50% · 4.625%
HK$16,044
+HK$803/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,482/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,597
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,082
−HK$493/mo
Today · 4.125%
HK$16,575
baseline
▲ 0.50% · 4.625%
HK$17,584
+HK$1,009/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,150/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,352
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,817
−HK$472/mo
Today · 4.125%
HK$18,289
baseline
▲ 0.50% · 4.625%
HK$19,253
+HK$964/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,578/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,197
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,763
−HK$575/mo
Today · 4.125%
HK$19,338
baseline
▲ 0.50% · 4.625%
HK$20,515
+HK$1,177/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,676/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,244
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,787
−HK$550/mo
Today · 4.125%
HK$21,337
baseline
▲ 0.50% · 4.625%
HK$22,462
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,674/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,396
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,124
−HK$739/mo
Today · 4.125%
HK$24,863
baseline
▲ 0.50% · 4.625%
HK$26,376
+HK$1,513/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,726/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,028
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,726
−HK$708/mo
Today · 4.125%
HK$27,434
baseline
▲ 0.50% · 4.625%
HK$28,880
+HK$1,446/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,868/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,253 · 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).