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$13,086
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,493
−HK$414/mo
Today · 4.125%
HK$13,907
baseline
▲ 0.50% · 4.625%
HK$14,753
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,814/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,558
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,949
−HK$396/mo
Today · 4.125%
HK$15,345
baseline
▲ 0.50% · 4.625%
HK$16,153
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,690/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,703
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,192
−HK$496/mo
Today · 4.125%
HK$16,688
baseline
▲ 0.50% · 4.625%
HK$17,703
+HK$1,015/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$33,376/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,470
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,938
−HK$476/mo
Today · 4.125%
HK$18,414
baseline
▲ 0.50% · 4.625%
HK$19,384
+HK$970/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$36,828/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,320
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,890
−HK$579/mo
Today · 4.125%
HK$19,469
baseline
▲ 0.50% · 4.625%
HK$20,654
+HK$1,185/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,938/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,381
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,928
−HK$554/mo
Today · 4.125%
HK$21,482
baseline
▲ 0.50% · 4.625%
HK$22,615
+HK$1,133/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,964/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,555
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,288
−HK$744/mo
Today · 4.125%
HK$25,032
baseline
▲ 0.50% · 4.625%
HK$26,555
+HK$1,523/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$50,064/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,205
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,907
−HK$713/mo
Today · 4.125%
HK$27,620
baseline
▲ 0.50% · 4.625%
HK$29,076
+HK$1,456/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$55,240/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,124 · 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).