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$13,097
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,504
−HK$414/mo
Today · 4.125%
HK$13,918
baseline
▲ 0.50% · 4.625%
HK$14,765
+HK$847/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,836/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,570
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,961
−HK$396/mo
Today · 4.125%
HK$15,357
baseline
▲ 0.50% · 4.625%
HK$16,167
+HK$810/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,714/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,716
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,205
−HK$497/mo
Today · 4.125%
HK$16,702
baseline
▲ 0.50% · 4.625%
HK$17,718
+HK$1,016/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,404/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,484
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,953
−HK$476/mo
Today · 4.125%
HK$18,429
baseline
▲ 0.50% · 4.625%
HK$19,400
+HK$971/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,858/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,336
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,906
−HK$580/mo
Today · 4.125%
HK$19,486
baseline
▲ 0.50% · 4.625%
HK$20,671
+HK$1,185/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,972/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,398
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,945
−HK$555/mo
Today · 4.125%
HK$21,500
baseline
▲ 0.50% · 4.625%
HK$22,634
+HK$1,134/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$43,000/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,575
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,308
−HK$745/mo
Today · 4.125%
HK$25,053
baseline
▲ 0.50% · 4.625%
HK$26,577
+HK$1,524/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$50,106/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,226
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,930
−HK$713/mo
Today · 4.125%
HK$27,643
baseline
▲ 0.50% · 4.625%
HK$29,101
+HK$1,458/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$55,286/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,233 · 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).