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$13,094
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,502
−HK$414/mo
Today · 4.125%
HK$13,916
baseline
▲ 0.50% · 4.625%
HK$14,762
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,832/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,567
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,958
−HK$397/mo
Today · 4.125%
HK$15,355
baseline
▲ 0.50% · 4.625%
HK$16,164
+HK$809/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,710/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,713
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,202
−HK$497/mo
Today · 4.125%
HK$16,699
baseline
▲ 0.50% · 4.625%
HK$17,715
+HK$1,016/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,398/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,481
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,950
−HK$475/mo
Today · 4.125%
HK$18,425
baseline
▲ 0.50% · 4.625%
HK$19,397
+HK$972/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,850/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,332
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,903
−HK$579/mo
Today · 4.125%
HK$19,482
baseline
▲ 0.50% · 4.625%
HK$20,667
+HK$1,185/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,964/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,394
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,941
−HK$555/mo
Today · 4.125%
HK$21,496
baseline
▲ 0.50% · 4.625%
HK$22,629
+HK$1,133/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,992/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,570
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,303
−HK$745/mo
Today · 4.125%
HK$25,048
baseline
▲ 0.50% · 4.625%
HK$26,572
+HK$1,524/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$50,096/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,221
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,925
−HK$713/mo
Today · 4.125%
HK$27,638
baseline
▲ 0.50% · 4.625%
HK$29,095
+HK$1,457/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$55,276/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,208 · 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).