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$13,080
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,487
−HK$413/mo
Today · 4.125%
HK$13,900
baseline
▲ 0.50% · 4.625%
HK$14,746
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,800/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,552
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,942
−HK$396/mo
Today · 4.125%
HK$15,338
baseline
▲ 0.50% · 4.625%
HK$16,146
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,676/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,696
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,185
−HK$496/mo
Today · 4.125%
HK$16,681
baseline
▲ 0.50% · 4.625%
HK$17,696
+HK$1,015/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,362/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,462
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,930
−HK$475/mo
Today · 4.125%
HK$18,405
baseline
▲ 0.50% · 4.625%
HK$19,376
+HK$971/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,810/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,312
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,882
−HK$579/mo
Today · 4.125%
HK$19,461
baseline
▲ 0.50% · 4.625%
HK$20,645
+HK$1,184/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,922/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,372
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,919
−HK$554/mo
Today · 4.125%
HK$21,473
baseline
▲ 0.50% · 4.625%
HK$22,605
+HK$1,132/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,946/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,544
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,277
−HK$744/mo
Today · 4.125%
HK$25,021
baseline
▲ 0.50% · 4.625%
HK$26,543
+HK$1,522/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$50,042/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,193
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,895
−HK$713/mo
Today · 4.125%
HK$27,608
baseline
▲ 0.50% · 4.625%
HK$29,063
+HK$1,455/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$55,216/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,067 · 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).