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$12,992
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,396
−HK$410/mo
Today · 4.125%
HK$13,806
baseline
▲ 0.50% · 4.625%
HK$14,646
+HK$840/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,612/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,453
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,841
−HK$393/mo
Today · 4.125%
HK$15,234
baseline
▲ 0.50% · 4.625%
HK$16,037
+HK$803/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,468/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,590
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,075
−HK$492/mo
Today · 4.125%
HK$16,567
baseline
▲ 0.50% · 4.625%
HK$17,576
+HK$1,009/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,134/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,344
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,809
−HK$472/mo
Today · 4.125%
HK$18,281
baseline
▲ 0.50% · 4.625%
HK$19,244
+HK$963/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,562/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,188
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,754
−HK$575/mo
Today · 4.125%
HK$19,329
baseline
▲ 0.50% · 4.625%
HK$20,505
+HK$1,176/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,658/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,234
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,777
−HK$550/mo
Today · 4.125%
HK$21,327
baseline
▲ 0.50% · 4.625%
HK$22,452
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,654/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,385
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,112
−HK$739/mo
Today · 4.125%
HK$24,851
baseline
▲ 0.50% · 4.625%
HK$26,363
+HK$1,512/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,702/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,015
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,713
−HK$708/mo
Today · 4.125%
HK$27,421
baseline
▲ 0.50% · 4.625%
HK$28,866
+HK$1,445/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,842/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,192 · 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).