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$13,078
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,485
−HK$413/mo
Today · 4.125%
HK$13,898
baseline
▲ 0.50% · 4.625%
HK$14,744
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,796/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,549
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,939
−HK$396/mo
Today · 4.125%
HK$15,335
baseline
▲ 0.50% · 4.625%
HK$16,144
+HK$809/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,670/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,694
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,182
−HK$496/mo
Today · 4.125%
HK$16,678
baseline
▲ 0.50% · 4.625%
HK$17,693
+HK$1,015/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,356/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,459
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,927
−HK$475/mo
Today · 4.125%
HK$18,402
baseline
▲ 0.50% · 4.625%
HK$19,372
+HK$970/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,804/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,309
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,879
−HK$578/mo
Today · 4.125%
HK$19,457
baseline
▲ 0.50% · 4.625%
HK$20,641
+HK$1,184/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,914/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,369
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,915
−HK$554/mo
Today · 4.125%
HK$21,469
baseline
▲ 0.50% · 4.625%
HK$22,601
+HK$1,132/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,938/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,541
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,273
−HK$744/mo
Today · 4.125%
HK$25,017
baseline
▲ 0.50% · 4.625%
HK$26,539
+HK$1,522/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$50,034/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,189
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,891
−HK$712/mo
Today · 4.125%
HK$27,603
baseline
▲ 0.50% · 4.625%
HK$29,059
+HK$1,456/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$55,206/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,046 · 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).