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$13,111
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,519
−HK$414/mo
Today · 4.125%
HK$13,933
baseline
▲ 0.50% · 4.625%
HK$14,781
+HK$848/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,866/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,586
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,977
−HK$397/mo
Today · 4.125%
HK$15,374
baseline
▲ 0.50% · 4.625%
HK$16,184
+HK$810/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,748/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,733
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,222
−HK$497/mo
Today · 4.125%
HK$16,719
baseline
▲ 0.50% · 4.625%
HK$17,737
+HK$1,018/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,438/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,503
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,972
−HK$476/mo
Today · 4.125%
HK$18,448
baseline
▲ 0.50% · 4.625%
HK$19,421
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,896/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,355
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,926
−HK$580/mo
Today · 4.125%
HK$19,506
baseline
▲ 0.50% · 4.625%
HK$20,693
+HK$1,187/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$39,012/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,420
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,967
−HK$556/mo
Today · 4.125%
HK$21,523
baseline
▲ 0.50% · 4.625%
HK$22,657
+HK$1,134/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$43,046/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,599
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,333
−HK$746/mo
Today · 4.125%
HK$25,079
baseline
▲ 0.50% · 4.625%
HK$26,605
+HK$1,526/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$50,158/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,254
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,958
−HK$714/mo
Today · 4.125%
HK$27,672
baseline
▲ 0.50% · 4.625%
HK$29,131
+HK$1,459/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$55,344/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,368 · 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).