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$13,008
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,412
−HK$411/mo
Today · 4.125%
HK$13,823
baseline
▲ 0.50% · 4.625%
HK$14,664
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,646/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,471
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,859
−HK$394/mo
Today · 4.125%
HK$15,253
baseline
▲ 0.50% · 4.625%
HK$16,057
+HK$804/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,506/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,609
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,095
−HK$493/mo
Today · 4.125%
HK$16,588
baseline
▲ 0.50% · 4.625%
HK$17,597
+HK$1,009/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,176/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,365
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,831
−HK$472/mo
Today · 4.125%
HK$18,303
baseline
▲ 0.50% · 4.625%
HK$19,268
+HK$965/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,606/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,211
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,777
−HK$576/mo
Today · 4.125%
HK$19,353
baseline
▲ 0.50% · 4.625%
HK$20,530
+HK$1,177/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,706/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,259
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,802
−HK$552/mo
Today · 4.125%
HK$21,354
baseline
▲ 0.50% · 4.625%
HK$22,479
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,708/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,414
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,142
−HK$740/mo
Today · 4.125%
HK$24,882
baseline
▲ 0.50% · 4.625%
HK$26,396
+HK$1,514/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,764/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,047
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,746
−HK$709/mo
Today · 4.125%
HK$27,455
baseline
▲ 0.50% · 4.625%
HK$28,902
+HK$1,447/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,910/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,350 · 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).