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$13,071
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,478
−HK$413/mo
Today · 4.125%
HK$13,891
baseline
▲ 0.50% · 4.625%
HK$14,736
+HK$845/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,782/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$128,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,542
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,932
−HK$395/mo
Today · 4.125%
HK$15,327
baseline
▲ 0.50% · 4.625%
HK$16,135
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,654/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$128,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,686
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,174
−HK$495/mo
Today · 4.125%
HK$16,669
baseline
▲ 0.50% · 4.625%
HK$17,684
+HK$1,015/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,338/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,450
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,918
−HK$475/mo
Today · 4.125%
HK$18,393
baseline
▲ 0.50% · 4.625%
HK$19,362
+HK$969/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,786/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,300
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,869
−HK$579/mo
Today · 4.125%
HK$19,448
baseline
▲ 0.50% · 4.625%
HK$20,631
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,896/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,359
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,905
−HK$553/mo
Today · 4.125%
HK$21,458
baseline
▲ 0.50% · 4.625%
HK$22,590
+HK$1,132/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,916/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,529
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,260
−HK$744/mo
Today · 4.125%
HK$25,004
baseline
▲ 0.50% · 4.625%
HK$26,525
+HK$1,521/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$50,008/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,175
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,877
−HK$712/mo
Today · 4.125%
HK$27,589
baseline
▲ 0.50% · 4.625%
HK$29,044
+HK$1,455/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,178/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,980 · 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).