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$820/mo
▼ 0.25% · 3.875%
HK$13,471
−HK$413/mo
Today · 4.125%
HK$13,884
baseline
▲ 0.50% · 4.625%
HK$14,728
+HK$844/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,768/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,534
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,924
−HK$395/mo
Today · 4.125%
HK$15,319
baseline
▲ 0.50% · 4.625%
HK$16,127
+HK$808/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,638/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,677
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,165
−HK$495/mo
Today · 4.125%
HK$16,660
baseline
▲ 0.50% · 4.625%
HK$17,674
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,320/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,441
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,908
−HK$475/mo
Today · 4.125%
HK$18,383
baseline
▲ 0.50% · 4.625%
HK$19,352
+HK$969/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,766/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,290
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,859
−HK$578/mo
Today · 4.125%
HK$19,437
baseline
▲ 0.50% · 4.625%
HK$20,620
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,874/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,347
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,893
−HK$554/mo
Today · 4.125%
HK$21,447
baseline
▲ 0.50% · 4.625%
HK$22,577
+HK$1,130/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,894/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,516
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,247
−HK$743/mo
Today · 4.125%
HK$24,990
baseline
▲ 0.50% · 4.625%
HK$26,511
+HK$1,521/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$49,980/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,161
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,863
−HK$711/mo
Today · 4.125%
HK$27,574
baseline
▲ 0.50% · 4.625%
HK$29,028
+HK$1,454/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,148/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,910 · 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).