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$13,013
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,417
−HK$412/mo
Today · 4.125%
HK$13,829
baseline
▲ 0.50% · 4.625%
HK$14,670
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,658/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,476
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,865
−HK$393/mo
Today · 4.125%
HK$15,258
baseline
▲ 0.50% · 4.625%
HK$16,063
+HK$805/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,516/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,615
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,101
−HK$493/mo
Today · 4.125%
HK$16,594
baseline
▲ 0.50% · 4.625%
HK$17,604
+HK$1,010/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,188/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,372
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,837
−HK$473/mo
Today · 4.125%
HK$18,310
baseline
▲ 0.50% · 4.625%
HK$19,275
+HK$965/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,620/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,218
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,784
−HK$576/mo
Today · 4.125%
HK$19,360
baseline
▲ 0.50% · 4.625%
HK$20,538
+HK$1,178/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,720/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,267
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,810
−HK$552/mo
Today · 4.125%
HK$21,362
baseline
▲ 0.50% · 4.625%
HK$22,488
+HK$1,126/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,724/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,423
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,151
−HK$740/mo
Today · 4.125%
HK$24,891
baseline
▲ 0.50% · 4.625%
HK$26,406
+HK$1,515/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,782/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,057
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,756
−HK$709/mo
Today · 4.125%
HK$27,465
baseline
▲ 0.50% · 4.625%
HK$28,913
+HK$1,448/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$54,930/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,399 · 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).