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$13,076
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,482
−HK$414/mo
Today · 4.125%
HK$13,896
baseline
▲ 0.50% · 4.625%
HK$14,741
+HK$845/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,792/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,547
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,937
−HK$396/mo
Today · 4.125%
HK$15,333
baseline
▲ 0.50% · 4.625%
HK$16,141
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,666/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,691
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,179
−HK$496/mo
Today · 4.125%
HK$16,675
baseline
▲ 0.50% · 4.625%
HK$17,689
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,350/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,456
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,924
−HK$475/mo
Today · 4.125%
HK$18,399
baseline
▲ 0.50% · 4.625%
HK$19,369
+HK$970/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,798/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,306
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,875
−HK$579/mo
Today · 4.125%
HK$19,454
baseline
▲ 0.50% · 4.625%
HK$20,638
+HK$1,184/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,908/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,365
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,911
−HK$555/mo
Today · 4.125%
HK$21,466
baseline
▲ 0.50% · 4.625%
HK$22,597
+HK$1,131/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,932/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,536
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,268
−HK$744/mo
Today · 4.125%
HK$25,012
baseline
▲ 0.50% · 4.625%
HK$26,534
+HK$1,522/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$50,024/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$129,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,184
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,886
−HK$713/mo
Today · 4.125%
HK$27,599
baseline
▲ 0.50% · 4.625%
HK$29,053
+HK$1,454/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,198/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$129,023 · 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).