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$13,105
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,512
−HK$414/mo
Today · 4.125%
HK$13,926
baseline
▲ 0.50% · 4.625%
HK$14,774
+HK$848/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,852/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,579
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,970
−HK$396/mo
Today · 4.125%
HK$15,366
baseline
▲ 0.50% · 4.625%
HK$16,176
+HK$810/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,732/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,725
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,215
−HK$497/mo
Today · 4.125%
HK$16,712
baseline
▲ 0.50% · 4.625%
HK$17,728
+HK$1,016/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,424/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,494
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,964
−HK$476/mo
Today · 4.125%
HK$18,440
baseline
▲ 0.50% · 4.625%
HK$19,412
+HK$972/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,880/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,346
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,917
−HK$580/mo
Today · 4.125%
HK$19,497
baseline
▲ 0.50% · 4.625%
HK$20,683
+HK$1,186/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,994/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,410
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,958
−HK$555/mo
Today · 4.125%
HK$21,513
baseline
▲ 0.50% · 4.625%
HK$22,647
+HK$1,134/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$43,026/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,588
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,322
−HK$745/mo
Today · 4.125%
HK$25,067
baseline
▲ 0.50% · 4.625%
HK$26,593
+HK$1,526/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$50,134/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,242
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,945
−HK$714/mo
Today · 4.125%
HK$27,659
baseline
▲ 0.50% · 4.625%
HK$29,117
+HK$1,458/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$55,318/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,307 · 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).