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$13,068
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,475
−HK$413/mo
Today · 4.125%
HK$13,888
baseline
▲ 0.50% · 4.625%
HK$14,733
+HK$845/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,776/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,538
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,928
−HK$396/mo
Today · 4.125%
HK$15,324
baseline
▲ 0.50% · 4.625%
HK$16,131
+HK$807/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,648/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,682
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,169
−HK$496/mo
Today · 4.125%
HK$16,665
baseline
▲ 0.50% · 4.625%
HK$17,679
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,330/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,446
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,914
−HK$474/mo
Today · 4.125%
HK$18,388
baseline
▲ 0.50% · 4.625%
HK$19,358
+HK$970/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,776/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,295
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,864
−HK$579/mo
Today · 4.125%
HK$19,443
baseline
▲ 0.50% · 4.625%
HK$20,626
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,886/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,353
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,899
−HK$554/mo
Today · 4.125%
HK$21,453
baseline
▲ 0.50% · 4.625%
HK$22,584
+HK$1,131/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,906/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,523
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,254
−HK$744/mo
Today · 4.125%
HK$24,998
baseline
▲ 0.50% · 4.625%
HK$26,519
+HK$1,521/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$49,996/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,169
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,870
−HK$712/mo
Today · 4.125%
HK$27,582
baseline
▲ 0.50% · 4.625%
HK$29,036
+HK$1,454/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,164/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,947 · 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).