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$13,100
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,508
−HK$414/mo
Today · 4.125%
HK$13,922
baseline
▲ 0.50% · 4.625%
HK$14,769
+HK$847/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,844/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,574
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,965
−HK$396/mo
Today · 4.125%
HK$15,361
baseline
▲ 0.50% · 4.625%
HK$16,171
+HK$810/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,722/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,721
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,210
−HK$496/mo
Today · 4.125%
HK$16,706
baseline
▲ 0.50% · 4.625%
HK$17,723
+HK$1,017/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,412/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,489
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,958
−HK$476/mo
Today · 4.125%
HK$18,434
baseline
▲ 0.50% · 4.625%
HK$19,405
+HK$971/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,868/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,341
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,911
−HK$580/mo
Today · 4.125%
HK$19,491
baseline
▲ 0.50% · 4.625%
HK$20,677
+HK$1,186/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,982/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,404
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,951
−HK$555/mo
Today · 4.125%
HK$21,506
baseline
▲ 0.50% · 4.625%
HK$22,640
+HK$1,134/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$43,012/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,581
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,314
−HK$745/mo
Today · 4.125%
HK$25,059
baseline
▲ 0.50% · 4.625%
HK$26,584
+HK$1,525/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$50,118/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,233
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,937
−HK$714/mo
Today · 4.125%
HK$27,651
baseline
▲ 0.50% · 4.625%
HK$29,108
+HK$1,457/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$55,302/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,266 · 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).