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$13,075
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,482
−HK$413/mo
Today · 4.125%
HK$13,895
baseline
▲ 0.50% · 4.625%
HK$14,740
+HK$845/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,790/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,546
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,936
−HK$396/mo
Today · 4.125%
HK$15,332
baseline
▲ 0.50% · 4.625%
HK$16,140
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,664/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,690
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,178
−HK$496/mo
Today · 4.125%
HK$16,674
baseline
▲ 0.50% · 4.625%
HK$17,688
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,348/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,455
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,923
−HK$475/mo
Today · 4.125%
HK$18,398
baseline
▲ 0.50% · 4.625%
HK$19,368
+HK$970/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,796/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,305
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,874
−HK$579/mo
Today · 4.125%
HK$19,453
baseline
▲ 0.50% · 4.625%
HK$20,636
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,906/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,364
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,910
−HK$554/mo
Today · 4.125%
HK$21,464
baseline
▲ 0.50% · 4.625%
HK$22,596
+HK$1,132/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,928/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,535
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,267
−HK$744/mo
Today · 4.125%
HK$25,011
baseline
▲ 0.50% · 4.625%
HK$26,533
+HK$1,522/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$50,022/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$129,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,182
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,884
−HK$713/mo
Today · 4.125%
HK$27,597
baseline
▲ 0.50% · 4.625%
HK$29,051
+HK$1,454/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,194/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$129,015 · 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).