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$13,082
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,488
−HK$414/mo
Today · 4.125%
HK$13,902
baseline
▲ 0.50% · 4.625%
HK$14,748
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,804/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,553
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,943
−HK$396/mo
Today · 4.125%
HK$15,339
baseline
▲ 0.50% · 4.625%
HK$16,148
+HK$809/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,678/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,698
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,186
−HK$496/mo
Today · 4.125%
HK$16,682
baseline
▲ 0.50% · 4.625%
HK$17,697
+HK$1,015/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,364/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,464
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,932
−HK$475/mo
Today · 4.125%
HK$18,407
baseline
▲ 0.50% · 4.625%
HK$19,377
+HK$970/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,814/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,314
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,884
−HK$579/mo
Today · 4.125%
HK$19,463
baseline
▲ 0.50% · 4.625%
HK$20,647
+HK$1,184/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,926/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,374
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,921
−HK$554/mo
Today · 4.125%
HK$21,475
baseline
▲ 0.50% · 4.625%
HK$22,607
+HK$1,132/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,950/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,547
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,279
−HK$744/mo
Today · 4.125%
HK$25,023
baseline
▲ 0.50% · 4.625%
HK$26,546
+HK$1,523/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$50,046/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,195
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,898
−HK$713/mo
Today · 4.125%
HK$27,611
baseline
▲ 0.50% · 4.625%
HK$29,066
+HK$1,455/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$55,222/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,080 · 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).