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$12,993
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,397
−HK$411/mo
Today · 4.125%
HK$13,808
baseline
▲ 0.50% · 4.625%
HK$14,648
+HK$840/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,616/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,455
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,842
−HK$394/mo
Today · 4.125%
HK$15,236
baseline
▲ 0.50% · 4.625%
HK$16,039
+HK$803/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,472/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,592
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,077
−HK$493/mo
Today · 4.125%
HK$16,570
baseline
▲ 0.50% · 4.625%
HK$17,578
+HK$1,008/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,140/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,346
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,811
−HK$472/mo
Today · 4.125%
HK$18,283
baseline
▲ 0.50% · 4.625%
HK$19,247
+HK$964/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,566/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,190
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,756
−HK$575/mo
Today · 4.125%
HK$19,331
baseline
▲ 0.50% · 4.625%
HK$20,507
+HK$1,176/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,662/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,237
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,779
−HK$551/mo
Today · 4.125%
HK$21,330
baseline
▲ 0.50% · 4.625%
HK$22,454
+HK$1,124/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,660/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,388
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,115
−HK$739/mo
Today · 4.125%
HK$24,854
baseline
▲ 0.50% · 4.625%
HK$26,367
+HK$1,513/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,708/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,019
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,716
−HK$708/mo
Today · 4.125%
HK$27,424
baseline
▲ 0.50% · 4.625%
HK$28,870
+HK$1,446/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,848/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,208 · 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).