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$13,073
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,480
−HK$413/mo
Today · 4.125%
HK$13,893
baseline
▲ 0.50% · 4.625%
HK$14,739
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,786/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,544
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,934
−HK$396/mo
Today · 4.125%
HK$15,330
baseline
▲ 0.50% · 4.625%
HK$16,138
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,660/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,688
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,176
−HK$496/mo
Today · 4.125%
HK$16,672
baseline
▲ 0.50% · 4.625%
HK$17,686
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,344/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,453
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,921
−HK$475/mo
Today · 4.125%
HK$18,396
baseline
▲ 0.50% · 4.625%
HK$19,365
+HK$969/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,792/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,303
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,872
−HK$579/mo
Today · 4.125%
HK$19,451
baseline
▲ 0.50% · 4.625%
HK$20,634
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,902/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,362
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,908
−HK$554/mo
Today · 4.125%
HK$21,462
baseline
▲ 0.50% · 4.625%
HK$22,593
+HK$1,131/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,924/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,532
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,264
−HK$744/mo
Today · 4.125%
HK$25,008
baseline
▲ 0.50% · 4.625%
HK$26,530
+HK$1,522/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$50,016/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$129,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,179
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,881
−HK$713/mo
Today · 4.125%
HK$27,594
baseline
▲ 0.50% · 4.625%
HK$29,048
+HK$1,454/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,188/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$129,000 · 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).