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$13,079
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,486
−HK$413/mo
Today · 4.125%
HK$13,899
baseline
▲ 0.50% · 4.625%
HK$14,745
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,798/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,550
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,941
−HK$396/mo
Today · 4.125%
HK$15,337
baseline
▲ 0.50% · 4.625%
HK$16,145
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,674/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,695
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,183
−HK$496/mo
Today · 4.125%
HK$16,679
baseline
▲ 0.50% · 4.625%
HK$17,694
+HK$1,015/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,358/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,461
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,929
−HK$475/mo
Today · 4.125%
HK$18,404
baseline
▲ 0.50% · 4.625%
HK$19,374
+HK$970/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,808/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,311
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,880
−HK$579/mo
Today · 4.125%
HK$19,459
baseline
▲ 0.50% · 4.625%
HK$20,643
+HK$1,184/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,918/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,371
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,917
−HK$554/mo
Today · 4.125%
HK$21,471
baseline
▲ 0.50% · 4.625%
HK$22,603
+HK$1,132/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,942/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,543
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,275
−HK$744/mo
Today · 4.125%
HK$25,019
baseline
▲ 0.50% · 4.625%
HK$26,541
+HK$1,522/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$50,038/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,191
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,893
−HK$713/mo
Today · 4.125%
HK$27,606
baseline
▲ 0.50% · 4.625%
HK$29,061
+HK$1,455/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$55,212/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,057 · 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).