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$13,082
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,489
−HK$414/mo
Today · 4.125%
HK$13,903
baseline
▲ 0.50% · 4.625%
HK$14,749
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,806/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,554
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,944
−HK$396/mo
Today · 4.125%
HK$15,340
baseline
▲ 0.50% · 4.625%
HK$16,149
+HK$809/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,680/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,699
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,187
−HK$496/mo
Today · 4.125%
HK$16,683
baseline
▲ 0.50% · 4.625%
HK$17,698
+HK$1,015/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,366/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,465
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,933
−HK$475/mo
Today · 4.125%
HK$18,408
baseline
▲ 0.50% · 4.625%
HK$19,379
+HK$971/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,816/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,315
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,885
−HK$579/mo
Today · 4.125%
HK$19,464
baseline
▲ 0.50% · 4.625%
HK$20,648
+HK$1,184/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,928/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,375
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,922
−HK$554/mo
Today · 4.125%
HK$21,476
baseline
▲ 0.50% · 4.625%
HK$22,608
+HK$1,132/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,952/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,548
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,281
−HK$744/mo
Today · 4.125%
HK$25,025
baseline
▲ 0.50% · 4.625%
HK$26,547
+HK$1,522/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$50,050/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,197
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,900
−HK$712/mo
Today · 4.125%
HK$27,612
baseline
▲ 0.50% · 4.625%
HK$29,068
+HK$1,456/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$55,224/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,087 · 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).