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$128,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,469
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,857
−HK$394/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$128,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,607
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,093
−HK$493/mo
Today · 4.125%
HK$16,586
baseline
▲ 0.50% · 4.625%
HK$17,595
+HK$1,009/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$128,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,363
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,828
−HK$473/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$128,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,208
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,775
−HK$575/mo
Today · 4.125%
HK$19,350
baseline
▲ 0.50% · 4.625%
HK$20,528
+HK$1,178/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,700/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,257
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,800
−HK$551/mo
Today · 4.125%
HK$21,351
baseline
▲ 0.50% · 4.625%
HK$22,476
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,702/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,411
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,139
−HK$740/mo
Today · 4.125%
HK$24,879
baseline
▲ 0.50% · 4.625%
HK$26,393
+HK$1,514/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,758/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,044
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,743
−HK$708/mo
Today · 4.125%
HK$27,451
baseline
▲ 0.50% · 4.625%
HK$28,898
+HK$1,447/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,902/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,335 · 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).