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$13,064
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,470
−HK$413/mo
Today · 4.125%
HK$13,883
baseline
▲ 0.50% · 4.625%
HK$14,728
+HK$845/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,766/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,533
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,923
−HK$395/mo
Today · 4.125%
HK$15,318
baseline
▲ 0.50% · 4.625%
HK$16,126
+HK$808/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,636/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,676
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,164
−HK$495/mo
Today · 4.125%
HK$16,659
baseline
▲ 0.50% · 4.625%
HK$17,673
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,318/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,440
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,907
−HK$475/mo
Today · 4.125%
HK$18,382
baseline
▲ 0.50% · 4.625%
HK$19,351
+HK$969/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,764/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,289
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,858
−HK$578/mo
Today · 4.125%
HK$19,436
baseline
▲ 0.50% · 4.625%
HK$20,619
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,872/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,346
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,892
−HK$554/mo
Today · 4.125%
HK$21,446
baseline
▲ 0.50% · 4.625%
HK$22,576
+HK$1,130/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,892/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,515
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,246
−HK$743/mo
Today · 4.125%
HK$24,989
baseline
▲ 0.50% · 4.625%
HK$26,510
+HK$1,521/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$49,978/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,160
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,861
−HK$712/mo
Today · 4.125%
HK$27,573
baseline
▲ 0.50% · 4.625%
HK$29,026
+HK$1,453/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,146/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,903 · 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).