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$13,073
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,479
−HK$414/mo
Today · 4.125%
HK$13,893
baseline
▲ 0.50% · 4.625%
HK$14,738
+HK$845/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,786/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$128,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,543
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,933
−HK$396/mo
Today · 4.125%
HK$15,329
baseline
▲ 0.50% · 4.625%
HK$16,137
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,658/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$128,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,687
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,175
−HK$496/mo
Today · 4.125%
HK$16,671
baseline
▲ 0.50% · 4.625%
HK$17,685
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,342/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,452
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,920
−HK$475/mo
Today · 4.125%
HK$18,395
baseline
▲ 0.50% · 4.625%
HK$19,364
+HK$969/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,790/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,302
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,871
−HK$579/mo
Today · 4.125%
HK$19,450
baseline
▲ 0.50% · 4.625%
HK$20,633
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,900/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,361
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,907
−HK$554/mo
Today · 4.125%
HK$21,461
baseline
▲ 0.50% · 4.625%
HK$22,592
+HK$1,131/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,922/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,531
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,263
−HK$744/mo
Today · 4.125%
HK$25,007
baseline
▲ 0.50% · 4.625%
HK$26,528
+HK$1,521/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$50,014/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,178
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,880
−HK$712/mo
Today · 4.125%
HK$27,592
baseline
▲ 0.50% · 4.625%
HK$29,047
+HK$1,455/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,184/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,994 · 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).