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$13,104
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,511
−HK$415/mo
Today · 4.125%
HK$13,926
baseline
▲ 0.50% · 4.625%
HK$14,773
+HK$847/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,852/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,578
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,969
−HK$396/mo
Today · 4.125%
HK$15,365
baseline
▲ 0.50% · 4.625%
HK$16,175
+HK$810/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,730/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,725
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,214
−HK$497/mo
Today · 4.125%
HK$16,711
baseline
▲ 0.50% · 4.625%
HK$17,727
+HK$1,016/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,422/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,493
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,963
−HK$476/mo
Today · 4.125%
HK$18,439
baseline
▲ 0.50% · 4.625%
HK$19,410
+HK$971/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,878/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,345
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,916
−HK$580/mo
Today · 4.125%
HK$19,496
baseline
▲ 0.50% · 4.625%
HK$20,682
+HK$1,186/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,992/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,409
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,956
−HK$556/mo
Today · 4.125%
HK$21,512
baseline
▲ 0.50% · 4.625%
HK$22,646
+HK$1,134/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$43,024/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,587
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,321
−HK$745/mo
Today · 4.125%
HK$25,066
baseline
▲ 0.50% · 4.625%
HK$26,591
+HK$1,525/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$50,132/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,240
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,944
−HK$714/mo
Today · 4.125%
HK$27,658
baseline
▲ 0.50% · 4.625%
HK$29,116
+HK$1,458/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$55,316/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,300 · 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).