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$13,096
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,503
−HK$414/mo
Today · 4.125%
HK$13,917
baseline
▲ 0.50% · 4.625%
HK$14,764
+HK$847/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,834/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,569
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,960
−HK$396/mo
Today · 4.125%
HK$15,356
baseline
▲ 0.50% · 4.625%
HK$16,166
+HK$810/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,712/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,715
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,204
−HK$497/mo
Today · 4.125%
HK$16,701
baseline
▲ 0.50% · 4.625%
HK$17,717
+HK$1,016/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,402/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,483
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,952
−HK$475/mo
Today · 4.125%
HK$18,427
baseline
▲ 0.50% · 4.625%
HK$19,399
+HK$972/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,854/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,334
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,905
−HK$579/mo
Today · 4.125%
HK$19,484
baseline
▲ 0.50% · 4.625%
HK$20,670
+HK$1,186/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,968/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,397
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,944
−HK$555/mo
Today · 4.125%
HK$21,499
baseline
▲ 0.50% · 4.625%
HK$22,632
+HK$1,133/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,998/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,573
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,306
−HK$745/mo
Today · 4.125%
HK$25,051
baseline
▲ 0.50% · 4.625%
HK$26,575
+HK$1,524/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$50,102/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,224
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,928
−HK$713/mo
Today · 4.125%
HK$27,641
baseline
▲ 0.50% · 4.625%
HK$29,098
+HK$1,457/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$55,282/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,222 · 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).