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$13,011
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,415
−HK$412/mo
Today · 4.125%
HK$13,827
baseline
▲ 0.50% · 4.625%
HK$14,668
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,654/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,474
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,863
−HK$393/mo
Today · 4.125%
HK$15,256
baseline
▲ 0.50% · 4.625%
HK$16,061
+HK$805/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,512/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,613
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,099
−HK$493/mo
Today · 4.125%
HK$16,592
baseline
▲ 0.50% · 4.625%
HK$17,602
+HK$1,010/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,184/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,369
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,835
−HK$473/mo
Today · 4.125%
HK$18,308
baseline
▲ 0.50% · 4.625%
HK$19,273
+HK$965/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,616/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,215
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,782
−HK$575/mo
Today · 4.125%
HK$19,357
baseline
▲ 0.50% · 4.625%
HK$20,535
+HK$1,178/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,714/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,264
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,808
−HK$551/mo
Today · 4.125%
HK$21,359
baseline
▲ 0.50% · 4.625%
HK$22,485
+HK$1,126/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,718/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,419
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,148
−HK$740/mo
Today · 4.125%
HK$24,888
baseline
▲ 0.50% · 4.625%
HK$26,402
+HK$1,514/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,776/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,054
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,753
−HK$708/mo
Today · 4.125%
HK$27,461
baseline
▲ 0.50% · 4.625%
HK$28,909
+HK$1,448/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$54,922/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,382 · 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).