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$13,070
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,477
−HK$413/mo
Today · 4.125%
HK$13,890
baseline
▲ 0.50% · 4.625%
HK$14,735
+HK$845/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,780/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,541
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,931
−HK$395/mo
Today · 4.125%
HK$15,326
baseline
▲ 0.50% · 4.625%
HK$16,134
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,652/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,684
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,172
−HK$496/mo
Today · 4.125%
HK$16,668
baseline
▲ 0.50% · 4.625%
HK$17,682
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,336/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,449
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,917
−HK$474/mo
Today · 4.125%
HK$18,391
baseline
▲ 0.50% · 4.625%
HK$19,361
+HK$970/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,782/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,298
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,868
−HK$578/mo
Today · 4.125%
HK$19,446
baseline
▲ 0.50% · 4.625%
HK$20,629
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,892/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,357
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,903
−HK$554/mo
Today · 4.125%
HK$21,457
baseline
▲ 0.50% · 4.625%
HK$22,588
+HK$1,131/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,914/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,527
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,258
−HK$744/mo
Today · 4.125%
HK$25,002
baseline
▲ 0.50% · 4.625%
HK$26,523
+HK$1,521/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$50,004/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,173
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,875
−HK$712/mo
Today · 4.125%
HK$27,587
baseline
▲ 0.50% · 4.625%
HK$29,041
+HK$1,454/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,174/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,969 · 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).