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$816/mo
▼ 0.25% · 3.875%
HK$13,413
−HK$411/mo
Today · 4.125%
HK$13,824
baseline
▲ 0.50% · 4.625%
HK$14,665
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,648/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,354 · 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$128,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,610
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,095
−HK$493/mo
Today · 4.125%
HK$16,588
baseline
▲ 0.50% · 4.625%
HK$17,598
+HK$1,010/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$128,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,366
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,831
−HK$473/mo
Today · 4.125%
HK$18,304
baseline
▲ 0.50% · 4.625%
HK$19,269
+HK$965/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,608/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,211
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,778
−HK$575/mo
Today · 4.125%
HK$19,353
baseline
▲ 0.50% · 4.625%
HK$20,531
+HK$1,178/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$128,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,260
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,803
−HK$551/mo
Today · 4.125%
HK$21,354
baseline
▲ 0.50% · 4.625%
HK$22,480
+HK$1,126/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$128,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,414
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,143
−HK$740/mo
Today · 4.125%
HK$24,883
baseline
▲ 0.50% · 4.625%
HK$26,397
+HK$1,514/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,766/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,048
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,747
−HK$709/mo
Today · 4.125%
HK$27,456
baseline
▲ 0.50% · 4.625%
HK$28,903
+HK$1,447/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,912/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,354 · 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).