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$13,069
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,475
−HK$413/mo
Today · 4.125%
HK$13,888
baseline
▲ 0.50% · 4.625%
HK$14,733
+HK$845/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,776/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,539
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,929
−HK$395/mo
Today · 4.125%
HK$15,324
baseline
▲ 0.50% · 4.625%
HK$16,132
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,648/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,682
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,170
−HK$496/mo
Today · 4.125%
HK$16,666
baseline
▲ 0.50% · 4.625%
HK$17,680
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,332/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,446
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,914
−HK$475/mo
Today · 4.125%
HK$18,389
baseline
▲ 0.50% · 4.625%
HK$19,358
+HK$969/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,778/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,296
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,865
−HK$578/mo
Today · 4.125%
HK$19,443
baseline
▲ 0.50% · 4.625%
HK$20,626
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,886/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,354
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,900
−HK$554/mo
Today · 4.125%
HK$21,454
baseline
▲ 0.50% · 4.625%
HK$22,585
+HK$1,131/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,908/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,523
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,255
−HK$744/mo
Today · 4.125%
HK$24,999
baseline
▲ 0.50% · 4.625%
HK$26,520
+HK$1,521/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$49,998/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,170
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,871
−HK$712/mo
Today · 4.125%
HK$27,583
baseline
▲ 0.50% · 4.625%
HK$29,037
+HK$1,454/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,166/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,952 · 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).