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$13,092
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,499
−HK$414/mo
Today · 4.125%
HK$13,913
baseline
▲ 0.50% · 4.625%
HK$14,759
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,826/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,564
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,955
−HK$396/mo
Today · 4.125%
HK$15,351
baseline
▲ 0.50% · 4.625%
HK$16,160
+HK$809/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,702/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,710
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,199
−HK$496/mo
Today · 4.125%
HK$16,695
baseline
▲ 0.50% · 4.625%
HK$17,711
+HK$1,016/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$33,390/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,477
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,946
−HK$476/mo
Today · 4.125%
HK$18,422
baseline
▲ 0.50% · 4.625%
HK$19,393
+HK$971/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$36,844/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,328
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,899
−HK$579/mo
Today · 4.125%
HK$19,478
baseline
▲ 0.50% · 4.625%
HK$20,663
+HK$1,185/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,956/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,390
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,937
−HK$555/mo
Today · 4.125%
HK$21,492
baseline
▲ 0.50% · 4.625%
HK$22,625
+HK$1,133/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,984/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,565
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,298
−HK$745/mo
Today · 4.125%
HK$25,043
baseline
▲ 0.50% · 4.625%
HK$26,567
+HK$1,524/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$50,086/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,216
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,919
−HK$713/mo
Today · 4.125%
HK$27,632
baseline
▲ 0.50% · 4.625%
HK$29,089
+HK$1,457/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$55,264/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,181 · 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).