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$13,009
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,414
−HK$411/mo
Today · 4.125%
HK$13,825
baseline
▲ 0.50% · 4.625%
HK$14,666
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,650/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,473
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,861
−HK$394/mo
Today · 4.125%
HK$15,255
baseline
▲ 0.50% · 4.625%
HK$16,059
+HK$804/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,510/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,611
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,097
−HK$493/mo
Today · 4.125%
HK$16,590
baseline
▲ 0.50% · 4.625%
HK$17,600
+HK$1,010/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,180/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,367
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,833
−HK$473/mo
Today · 4.125%
HK$18,306
baseline
▲ 0.50% · 4.625%
HK$19,271
+HK$965/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,612/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,213
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,780
−HK$575/mo
Today · 4.125%
HK$19,355
baseline
▲ 0.50% · 4.625%
HK$20,533
+HK$1,178/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,710/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,262
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,805
−HK$552/mo
Today · 4.125%
HK$21,357
baseline
▲ 0.50% · 4.625%
HK$22,482
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,714/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,417
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,145
−HK$740/mo
Today · 4.125%
HK$24,885
baseline
▲ 0.50% · 4.625%
HK$26,400
+HK$1,515/mo
Deposit HK$571K · loan HK$5.13M · min. income ≈ HK$49,770/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,051
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,750
−HK$709/mo
Today · 4.125%
HK$27,459
baseline
▲ 0.50% · 4.625%
HK$28,906
+HK$1,447/mo
Deposit HK$571K · loan HK$5.13M · min. income ≈ HK$54,918/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,368 · 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).