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$13,084
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,491
−HK$413/mo
Today · 4.125%
HK$13,904
baseline
▲ 0.50% · 4.625%
HK$14,750
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,808/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,556
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,946
−HK$396/mo
Today · 4.125%
HK$15,342
baseline
▲ 0.50% · 4.625%
HK$16,151
+HK$809/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,684/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,701
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,189
−HK$496/mo
Today · 4.125%
HK$16,685
baseline
▲ 0.50% · 4.625%
HK$17,701
+HK$1,016/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$33,370/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,467
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,935
−HK$476/mo
Today · 4.125%
HK$18,411
baseline
▲ 0.50% · 4.625%
HK$19,381
+HK$970/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$36,822/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,317
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,887
−HK$579/mo
Today · 4.125%
HK$19,466
baseline
▲ 0.50% · 4.625%
HK$20,651
+HK$1,185/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,932/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,378
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,925
−HK$554/mo
Today · 4.125%
HK$21,479
baseline
▲ 0.50% · 4.625%
HK$22,611
+HK$1,132/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,958/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,551
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,284
−HK$744/mo
Today · 4.125%
HK$25,028
baseline
▲ 0.50% · 4.625%
HK$26,551
+HK$1,523/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$50,056/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,200
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,903
−HK$713/mo
Today · 4.125%
HK$27,616
baseline
▲ 0.50% · 4.625%
HK$29,071
+HK$1,455/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$55,232/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,104 · 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).