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$13,071
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,478
−HK$413/mo
Today · 4.125%
HK$13,891
baseline
▲ 0.50% · 4.625%
HK$14,736
+HK$845/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,782/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$128,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,541
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,931
−HK$396/mo
Today · 4.125%
HK$15,327
baseline
▲ 0.50% · 4.625%
HK$16,135
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,654/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$128,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,685
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,173
−HK$496/mo
Today · 4.125%
HK$16,669
baseline
▲ 0.50% · 4.625%
HK$17,683
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,338/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,450
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,918
−HK$474/mo
Today · 4.125%
HK$18,392
baseline
▲ 0.50% · 4.625%
HK$19,362
+HK$970/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,784/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,300
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,869
−HK$578/mo
Today · 4.125%
HK$19,447
baseline
▲ 0.50% · 4.625%
HK$20,630
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,894/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,358
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,904
−HK$554/mo
Today · 4.125%
HK$21,458
baseline
▲ 0.50% · 4.625%
HK$22,589
+HK$1,131/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,916/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,528
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,260
−HK$743/mo
Today · 4.125%
HK$25,003
baseline
▲ 0.50% · 4.625%
HK$26,525
+HK$1,522/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$50,006/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,175
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,877
−HK$712/mo
Today · 4.125%
HK$27,589
baseline
▲ 0.50% · 4.625%
HK$29,043
+HK$1,454/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,178/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,977 · 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).