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$13,066
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,472
−HK$413/mo
Today · 4.125%
HK$13,885
baseline
▲ 0.50% · 4.625%
HK$14,730
+HK$845/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,770/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,535
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,925
−HK$396/mo
Today · 4.125%
HK$15,321
baseline
▲ 0.50% · 4.625%
HK$16,128
+HK$807/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,642/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,679
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,166
−HK$496/mo
Today · 4.125%
HK$16,662
baseline
▲ 0.50% · 4.625%
HK$17,676
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,324/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,442
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,910
−HK$475/mo
Today · 4.125%
HK$18,385
baseline
▲ 0.50% · 4.625%
HK$19,354
+HK$969/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,770/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,292
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,861
−HK$578/mo
Today · 4.125%
HK$19,439
baseline
▲ 0.50% · 4.625%
HK$20,622
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,878/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,350
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,895
−HK$554/mo
Today · 4.125%
HK$21,449
baseline
▲ 0.50% · 4.625%
HK$22,580
+HK$1,131/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,898/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,518
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,250
−HK$743/mo
Today · 4.125%
HK$24,993
baseline
▲ 0.50% · 4.625%
HK$26,514
+HK$1,521/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$49,986/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,164
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,865
−HK$712/mo
Today · 4.125%
HK$27,577
baseline
▲ 0.50% · 4.625%
HK$29,031
+HK$1,454/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,154/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,923 · 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).