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$13,006
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,411
−HK$411/mo
Today · 4.125%
HK$13,822
baseline
▲ 0.50% · 4.625%
HK$14,663
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,644/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,469
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,858
−HK$393/mo
Today · 4.125%
HK$15,251
baseline
▲ 0.50% · 4.625%
HK$16,055
+HK$804/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,502/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,608
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,093
−HK$493/mo
Today · 4.125%
HK$16,586
baseline
▲ 0.50% · 4.625%
HK$17,596
+HK$1,010/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,172/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,363
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,829
−HK$472/mo
Today · 4.125%
HK$18,301
baseline
▲ 0.50% · 4.625%
HK$19,266
+HK$965/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,602/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,209
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,775
−HK$576/mo
Today · 4.125%
HK$19,351
baseline
▲ 0.50% · 4.625%
HK$20,528
+HK$1,177/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,702/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,257
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,801
−HK$551/mo
Today · 4.125%
HK$21,352
baseline
▲ 0.50% · 4.625%
HK$22,477
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,704/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,412
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,140
−HK$740/mo
Today · 4.125%
HK$24,880
baseline
▲ 0.50% · 4.625%
HK$26,394
+HK$1,514/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,760/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,045
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,744
−HK$708/mo
Today · 4.125%
HK$27,452
baseline
▲ 0.50% · 4.625%
HK$28,899
+HK$1,447/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,904/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,339 · 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).