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$13,099
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,507
−HK$414/mo
Today · 4.125%
HK$13,921
baseline
▲ 0.50% · 4.625%
HK$14,768
+HK$847/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,842/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,573
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,963
−HK$397/mo
Today · 4.125%
HK$15,360
baseline
▲ 0.50% · 4.625%
HK$16,170
+HK$810/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,720/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,719
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,208
−HK$497/mo
Today · 4.125%
HK$16,705
baseline
▲ 0.50% · 4.625%
HK$17,721
+HK$1,016/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,410/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,487
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,956
−HK$476/mo
Today · 4.125%
HK$18,432
baseline
▲ 0.50% · 4.625%
HK$19,403
+HK$971/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,864/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,339
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,909
−HK$580/mo
Today · 4.125%
HK$19,489
baseline
▲ 0.50% · 4.625%
HK$20,675
+HK$1,186/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,978/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,402
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,949
−HK$555/mo
Today · 4.125%
HK$21,504
baseline
▲ 0.50% · 4.625%
HK$22,637
+HK$1,133/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$43,008/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,578
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,312
−HK$745/mo
Today · 4.125%
HK$25,057
baseline
▲ 0.50% · 4.625%
HK$26,582
+HK$1,525/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$50,114/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,231
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,934
−HK$714/mo
Today · 4.125%
HK$27,648
baseline
▲ 0.50% · 4.625%
HK$29,105
+HK$1,457/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$55,296/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,253 · 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).