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$13,069
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,476
−HK$413/mo
Today · 4.125%
HK$13,889
baseline
▲ 0.50% · 4.625%
HK$14,734
+HK$845/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,778/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,540
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,930
−HK$395/mo
Today · 4.125%
HK$15,325
baseline
▲ 0.50% · 4.625%
HK$16,133
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,650/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,683
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,171
−HK$496/mo
Today · 4.125%
HK$16,667
baseline
▲ 0.50% · 4.625%
HK$17,681
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,334/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,448
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,916
−HK$474/mo
Today · 4.125%
HK$18,390
baseline
▲ 0.50% · 4.625%
HK$19,360
+HK$970/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,780/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,297
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,866
−HK$579/mo
Today · 4.125%
HK$19,445
baseline
▲ 0.50% · 4.625%
HK$20,628
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,890/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,356
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,901
−HK$554/mo
Today · 4.125%
HK$21,455
baseline
▲ 0.50% · 4.625%
HK$22,586
+HK$1,131/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,910/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,525
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,257
−HK$743/mo
Today · 4.125%
HK$25,000
baseline
▲ 0.50% · 4.625%
HK$26,521
+HK$1,521/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$50,000/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,171
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,873
−HK$712/mo
Today · 4.125%
HK$27,585
baseline
▲ 0.50% · 4.625%
HK$29,039
+HK$1,454/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,170/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,961 · 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).