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$12,987
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,391
−HK$411/mo
Today · 4.125%
HK$13,802
baseline
▲ 0.50% · 4.625%
HK$14,642
+HK$840/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,604/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,448
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,836
−HK$393/mo
Today · 4.125%
HK$15,229
baseline
▲ 0.50% · 4.625%
HK$16,032
+HK$803/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,458/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,585
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,070
−HK$492/mo
Today · 4.125%
HK$16,562
baseline
▲ 0.50% · 4.625%
HK$17,570
+HK$1,008/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,124/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,338
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,803
−HK$472/mo
Today · 4.125%
HK$18,275
baseline
▲ 0.50% · 4.625%
HK$19,238
+HK$963/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,550/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,182
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,748
−HK$574/mo
Today · 4.125%
HK$19,322
baseline
▲ 0.50% · 4.625%
HK$20,498
+HK$1,176/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,644/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,228
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,770
−HK$550/mo
Today · 4.125%
HK$21,320
baseline
▲ 0.50% · 4.625%
HK$22,444
+HK$1,124/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,640/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,377
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,104
−HK$739/mo
Today · 4.125%
HK$24,843
baseline
▲ 0.50% · 4.625%
HK$26,355
+HK$1,512/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,686/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,007
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,704
−HK$708/mo
Today · 4.125%
HK$27,412
baseline
▲ 0.50% · 4.625%
HK$28,857
+HK$1,445/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,824/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,150 · 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).