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$13,074
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,480
−HK$414/mo
Today · 4.125%
HK$13,894
baseline
▲ 0.50% · 4.625%
HK$14,739
+HK$845/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,788/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,544
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,935
−HK$395/mo
Today · 4.125%
HK$15,330
baseline
▲ 0.50% · 4.625%
HK$16,138
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,660/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,689
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,177
−HK$495/mo
Today · 4.125%
HK$16,672
baseline
▲ 0.50% · 4.625%
HK$17,687
+HK$1,015/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,344/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,453
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,921
−HK$475/mo
Today · 4.125%
HK$18,396
baseline
▲ 0.50% · 4.625%
HK$19,366
+HK$970/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,792/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,303
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,873
−HK$578/mo
Today · 4.125%
HK$19,451
baseline
▲ 0.50% · 4.625%
HK$20,635
+HK$1,184/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,902/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,362
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,908
−HK$554/mo
Today · 4.125%
HK$21,462
baseline
▲ 0.50% · 4.625%
HK$22,594
+HK$1,132/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,924/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,533
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,265
−HK$744/mo
Today · 4.125%
HK$25,009
baseline
▲ 0.50% · 4.625%
HK$26,530
+HK$1,521/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$50,018/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$129,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,180
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,882
−HK$713/mo
Today · 4.125%
HK$27,595
baseline
▲ 0.50% · 4.625%
HK$29,049
+HK$1,454/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,190/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$129,004 · 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).