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$13,078
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,484
−HK$414/mo
Today · 4.125%
HK$13,898
baseline
▲ 0.50% · 4.625%
HK$14,743
+HK$845/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,796/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,549
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,939
−HK$396/mo
Today · 4.125%
HK$15,335
baseline
▲ 0.50% · 4.625%
HK$16,143
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,670/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,693
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,181
−HK$496/mo
Today · 4.125%
HK$16,677
baseline
▲ 0.50% · 4.625%
HK$17,692
+HK$1,015/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,354/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,458
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,927
−HK$475/mo
Today · 4.125%
HK$18,402
baseline
▲ 0.50% · 4.625%
HK$19,372
+HK$970/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,804/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,309
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,878
−HK$579/mo
Today · 4.125%
HK$19,457
baseline
▲ 0.50% · 4.625%
HK$20,641
+HK$1,184/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,914/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,368
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,914
−HK$555/mo
Today · 4.125%
HK$21,469
baseline
▲ 0.50% · 4.625%
HK$22,600
+HK$1,131/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,938/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,540
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,272
−HK$744/mo
Today · 4.125%
HK$25,016
baseline
▲ 0.50% · 4.625%
HK$26,538
+HK$1,522/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$50,032/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,188
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,890
−HK$712/mo
Today · 4.125%
HK$27,602
baseline
▲ 0.50% · 4.625%
HK$29,057
+HK$1,455/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$55,204/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,041 · 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).