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$13,092
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,499
−HK$414/mo
Today · 4.125%
HK$13,913
baseline
▲ 0.50% · 4.625%
HK$14,760
+HK$847/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,826/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,565
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,956
−HK$396/mo
Today · 4.125%
HK$15,352
baseline
▲ 0.50% · 4.625%
HK$16,161
+HK$809/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,704/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,711
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,199
−HK$497/mo
Today · 4.125%
HK$16,696
baseline
▲ 0.50% · 4.625%
HK$17,712
+HK$1,016/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$33,392/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,478
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,947
−HK$475/mo
Today · 4.125%
HK$18,422
baseline
▲ 0.50% · 4.625%
HK$19,393
+HK$971/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$36,844/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,329
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,899
−HK$579/mo
Today · 4.125%
HK$19,478
baseline
▲ 0.50% · 4.625%
HK$20,664
+HK$1,186/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,956/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,391
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,938
−HK$555/mo
Today · 4.125%
HK$21,493
baseline
▲ 0.50% · 4.625%
HK$22,625
+HK$1,132/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,986/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,566
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,299
−HK$745/mo
Today · 4.125%
HK$25,044
baseline
▲ 0.50% · 4.625%
HK$26,568
+HK$1,524/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$50,088/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,217
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,920
−HK$713/mo
Today · 4.125%
HK$27,633
baseline
▲ 0.50% · 4.625%
HK$29,090
+HK$1,457/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$55,266/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,185 · 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).