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$13,114
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,522
−HK$415/mo
Today · 4.125%
HK$13,937
baseline
▲ 0.50% · 4.625%
HK$14,785
+HK$848/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,874/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,589
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,981
−HK$397/mo
Today · 4.125%
HK$15,378
baseline
▲ 0.50% · 4.625%
HK$16,188
+HK$810/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,756/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,737
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,227
−HK$497/mo
Today · 4.125%
HK$16,724
baseline
▲ 0.50% · 4.625%
HK$17,741
+HK$1,017/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,448/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,507
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,977
−HK$476/mo
Today · 4.125%
HK$18,453
baseline
▲ 0.50% · 4.625%
HK$19,426
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,906/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,360
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,931
−HK$580/mo
Today · 4.125%
HK$19,511
baseline
▲ 0.50% · 4.625%
HK$20,698
+HK$1,187/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,022/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,425
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,973
−HK$556/mo
Today · 4.125%
HK$21,529
baseline
▲ 0.50% · 4.625%
HK$22,663
+HK$1,134/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,058/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,606
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,340
−HK$746/mo
Today · 4.125%
HK$25,086
baseline
▲ 0.50% · 4.625%
HK$26,612
+HK$1,526/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$50,172/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,261
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,965
−HK$715/mo
Today · 4.125%
HK$27,680
baseline
▲ 0.50% · 4.625%
HK$29,139
+HK$1,459/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$55,360/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,402 · 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).