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$13,099
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,506
−HK$414/mo
Today · 4.125%
HK$13,920
baseline
▲ 0.50% · 4.625%
HK$14,767
+HK$847/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,840/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,572
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,963
−HK$396/mo
Today · 4.125%
HK$15,359
baseline
▲ 0.50% · 4.625%
HK$16,169
+HK$810/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,718/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,718
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,207
−HK$497/mo
Today · 4.125%
HK$16,704
baseline
▲ 0.50% · 4.625%
HK$17,720
+HK$1,016/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,408/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,486
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,955
−HK$476/mo
Today · 4.125%
HK$18,431
baseline
▲ 0.50% · 4.625%
HK$19,403
+HK$972/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,862/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,338
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,908
−HK$580/mo
Today · 4.125%
HK$19,488
baseline
▲ 0.50% · 4.625%
HK$20,674
+HK$1,186/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,976/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,401
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,948
−HK$555/mo
Today · 4.125%
HK$21,503
baseline
▲ 0.50% · 4.625%
HK$22,636
+HK$1,133/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$43,006/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,577
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,311
−HK$745/mo
Today · 4.125%
HK$25,056
baseline
▲ 0.50% · 4.625%
HK$26,580
+HK$1,524/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$50,112/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,230
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,933
−HK$714/mo
Today · 4.125%
HK$27,647
baseline
▲ 0.50% · 4.625%
HK$29,104
+HK$1,457/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$55,294/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,248 · 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).