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$13,084
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,491
−HK$413/mo
Today · 4.125%
HK$13,904
baseline
▲ 0.50% · 4.625%
HK$14,750
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,808/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,555
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,946
−HK$396/mo
Today · 4.125%
HK$15,342
baseline
▲ 0.50% · 4.625%
HK$16,150
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,684/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,700
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,189
−HK$496/mo
Today · 4.125%
HK$16,685
baseline
▲ 0.50% · 4.625%
HK$17,700
+HK$1,015/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$33,370/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,466
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,935
−HK$475/mo
Today · 4.125%
HK$18,410
baseline
▲ 0.50% · 4.625%
HK$19,380
+HK$970/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$36,820/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,317
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,887
−HK$579/mo
Today · 4.125%
HK$19,466
baseline
▲ 0.50% · 4.625%
HK$20,650
+HK$1,184/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,932/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,377
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,924
−HK$554/mo
Today · 4.125%
HK$21,478
baseline
▲ 0.50% · 4.625%
HK$22,611
+HK$1,133/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,956/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,550
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,283
−HK$744/mo
Today · 4.125%
HK$25,027
baseline
▲ 0.50% · 4.625%
HK$26,550
+HK$1,523/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$50,054/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,200
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,902
−HK$713/mo
Today · 4.125%
HK$27,615
baseline
▲ 0.50% · 4.625%
HK$29,071
+HK$1,456/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$55,230/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,100 · 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).