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$13,067
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,473
−HK$413/mo
Today · 4.125%
HK$13,886
baseline
▲ 0.50% · 4.625%
HK$14,731
+HK$845/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,772/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,537
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,927
−HK$395/mo
Today · 4.125%
HK$15,322
baseline
▲ 0.50% · 4.625%
HK$16,130
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,644/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,680
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,168
−HK$496/mo
Today · 4.125%
HK$16,664
baseline
▲ 0.50% · 4.625%
HK$17,678
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,328/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,444
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,912
−HK$475/mo
Today · 4.125%
HK$18,387
baseline
▲ 0.50% · 4.625%
HK$19,356
+HK$969/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,774/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,294
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,863
−HK$578/mo
Today · 4.125%
HK$19,441
baseline
▲ 0.50% · 4.625%
HK$20,624
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,882/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,352
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,897
−HK$554/mo
Today · 4.125%
HK$21,451
baseline
▲ 0.50% · 4.625%
HK$22,582
+HK$1,131/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,902/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,521
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,252
−HK$744/mo
Today · 4.125%
HK$24,996
baseline
▲ 0.50% · 4.625%
HK$26,516
+HK$1,520/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$49,992/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,166
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,868
−HK$712/mo
Today · 4.125%
HK$27,580
baseline
▲ 0.50% · 4.625%
HK$29,034
+HK$1,454/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,160/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,936 · 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).