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$13,113
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,521
−HK$414/mo
Today · 4.125%
HK$13,935
baseline
▲ 0.50% · 4.625%
HK$14,783
+HK$848/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,870/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,588
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,979
−HK$397/mo
Today · 4.125%
HK$15,376
baseline
▲ 0.50% · 4.625%
HK$16,187
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,752/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,736
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,225
−HK$497/mo
Today · 4.125%
HK$16,722
baseline
▲ 0.50% · 4.625%
HK$17,740
+HK$1,018/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,444/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,506
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,975
−HK$476/mo
Today · 4.125%
HK$18,451
baseline
▲ 0.50% · 4.625%
HK$19,424
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,902/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,358
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,929
−HK$580/mo
Today · 4.125%
HK$19,509
baseline
▲ 0.50% · 4.625%
HK$20,696
+HK$1,187/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,018/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,423
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,971
−HK$556/mo
Today · 4.125%
HK$21,527
baseline
▲ 0.50% · 4.625%
HK$22,661
+HK$1,134/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,054/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,603
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,338
−HK$745/mo
Today · 4.125%
HK$25,083
baseline
▲ 0.50% · 4.625%
HK$26,610
+HK$1,527/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$50,166/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,258
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,963
−HK$714/mo
Today · 4.125%
HK$27,677
baseline
▲ 0.50% · 4.625%
HK$29,136
+HK$1,459/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$55,354/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,390 · 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).