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$13,108
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,516
−HK$414/mo
Today · 4.125%
HK$13,930
baseline
▲ 0.50% · 4.625%
HK$14,777
+HK$847/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,860/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,582
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,973
−HK$397/mo
Today · 4.125%
HK$15,370
baseline
▲ 0.50% · 4.625%
HK$16,180
+HK$810/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,740/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,729
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,219
−HK$497/mo
Today · 4.125%
HK$16,716
baseline
▲ 0.50% · 4.625%
HK$17,733
+HK$1,017/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,432/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,499
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,968
−HK$476/mo
Today · 4.125%
HK$18,444
baseline
▲ 0.50% · 4.625%
HK$19,416
+HK$972/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,888/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,351
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,922
−HK$580/mo
Today · 4.125%
HK$19,502
baseline
▲ 0.50% · 4.625%
HK$20,688
+HK$1,186/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$39,004/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,415
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,963
−HK$555/mo
Today · 4.125%
HK$21,518
baseline
▲ 0.50% · 4.625%
HK$22,653
+HK$1,135/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$43,036/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,594
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,328
−HK$746/mo
Today · 4.125%
HK$25,074
baseline
▲ 0.50% · 4.625%
HK$26,599
+HK$1,525/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$50,148/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,248
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,952
−HK$714/mo
Today · 4.125%
HK$27,666
baseline
▲ 0.50% · 4.625%
HK$29,125
+HK$1,459/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$55,332/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,340 · 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).