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$13,102
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,509
−HK$414/mo
Today · 4.125%
HK$13,923
baseline
▲ 0.50% · 4.625%
HK$14,771
+HK$848/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,846/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,576
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,966
−HK$397/mo
Today · 4.125%
HK$15,363
baseline
▲ 0.50% · 4.625%
HK$16,173
+HK$810/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,726/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,722
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,211
−HK$497/mo
Today · 4.125%
HK$16,708
baseline
▲ 0.50% · 4.625%
HK$17,725
+HK$1,017/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,416/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,491
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,960
−HK$476/mo
Today · 4.125%
HK$18,436
baseline
▲ 0.50% · 4.625%
HK$19,407
+HK$971/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,872/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,342
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,913
−HK$580/mo
Today · 4.125%
HK$19,493
baseline
▲ 0.50% · 4.625%
HK$20,679
+HK$1,186/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,986/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,406
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,953
−HK$555/mo
Today · 4.125%
HK$21,508
baseline
▲ 0.50% · 4.625%
HK$22,642
+HK$1,134/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$43,016/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,583
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,317
−HK$745/mo
Today · 4.125%
HK$25,062
baseline
▲ 0.50% · 4.625%
HK$26,587
+HK$1,525/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$50,124/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,236
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,940
−HK$713/mo
Today · 4.125%
HK$27,653
baseline
▲ 0.50% · 4.625%
HK$29,111
+HK$1,458/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$55,306/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,279 · 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).