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$13,089
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,496
−HK$414/mo
Today · 4.125%
HK$13,910
baseline
▲ 0.50% · 4.625%
HK$14,756
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,820/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,561
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,952
−HK$396/mo
Today · 4.125%
HK$15,348
baseline
▲ 0.50% · 4.625%
HK$16,157
+HK$809/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,696/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,706
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,195
−HK$496/mo
Today · 4.125%
HK$16,691
baseline
▲ 0.50% · 4.625%
HK$17,707
+HK$1,016/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$33,382/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,473
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,942
−HK$475/mo
Today · 4.125%
HK$18,417
baseline
▲ 0.50% · 4.625%
HK$19,388
+HK$971/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$36,834/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,324
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,894
−HK$579/mo
Today · 4.125%
HK$19,473
baseline
▲ 0.50% · 4.625%
HK$20,658
+HK$1,185/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,946/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,386
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,932
−HK$555/mo
Today · 4.125%
HK$21,487
baseline
▲ 0.50% · 4.625%
HK$22,620
+HK$1,133/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,974/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,560
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,293
−HK$744/mo
Today · 4.125%
HK$25,037
baseline
▲ 0.50% · 4.625%
HK$26,561
+HK$1,524/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$50,074/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,210
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,913
−HK$713/mo
Today · 4.125%
HK$27,626
baseline
▲ 0.50% · 4.625%
HK$29,082
+HK$1,456/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$55,252/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,151 · 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).